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Business Cashflow Loans 

Cashflow Funding and Support for UK Businesses

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Check eligibility
in 20 seconds

Apply online
in 2 mins

Decisions in
less than 1hr

Borrow between
£10,000 - £250,000

No fees to
settle early

 

                     

 

Cashflow Loans: How They Work and Why Businesses Use Them

Cashflow can make or break a business. Even with strong sales and a healthy pipeline, uneven income or delayed payments can create real operational strain; from meeting payroll to covering suppliers.

Cashflow loans can provide fast, short-term support to help keep your business moving.

Below we explain what cashflow loans are, how they work and when they’re the right option.

What is a Cashflow Loan?

A cashflow loan is a short-term business finance solution designed to support your working capital; not to purchase equipment or make long-term investments.

They’re typically unsecured, meaning lenders look closely at your bank statements, trading performance and financial accounts rather than assets.

Cashflow loans are ideal when you need to smooth out temporary gaps between money going out and money coming in.

How do Cashflow Loans Work?


1. Apply in Minutes

The application process is fast and straightforward. You’ll usually be asked for basic business details, six months of bank statements and your latest yearend accounts, including profit and loss. For larger loan amounts, lenders may request an updated P&L and balance sheets pulled directly from your accounting software. With clean, accurate financials the process moves very quickly and can return almost instant funding decisions.

2. Lender Assessment

Because cashflow loans are typically unsecured, lenders focus on the overall financial strength of your business. They review your income and outgoings, trading patterns and general affordability to understand how consistently the business generates cash. Your bank statements and accounts give lenders a clear and reliable picture of your trading performance.

3. Repayments

Cashflow loans usually come with shorter terms than traditional finance, alongside fixed daily, weekly or monthly repayment schedules. Interest rates vary depending on your financial profile and risk rating. The structure is designed to support stability while keeping cash flow moving smoothly.

When should you use a Cashflow Loan?

Cashflow loans are most effective when your business is trading well overall but facing short-term cash constraints. Common scenarios include:

  • Waiting on customer payments

  • Covering VAT or HMRC liabilities

  • Managing seasonal dips

  • Preparing for a busy period

  • Bridging gaps while cash reserves are tied up

They’re a great tool for short-term working capital support but shouldn’t be used as a long-term fix for deeper financial challenges. When used strategically, a cashflow loan can keep operations moving and help you take advantage of growth opportunities.

Fast and Simple CashFlow Funding: Apply in Just 2 Minutes!

When money in and money out don’t line up creating big cashflow issues, you need funding that moves as fast as you do. With Century Business Finance, you can apply online in just 2 minutes with minimal paperwork and a dedicated Account Manager to take you through the process. Once approved, you could receive a cashflow boost the same day, helping you cover essential costs and keep your business running smoothly.

Apply Online Now

Want to explore further Cashflow Funding options?

If you’d like tailored advice or want to check your eligibility for this type of product, speak to the Century Business Finance team today. We’ll compare lenders from our panel and find the best working capital support for your business.

Call Us Today

Your Fast Track To Funding

10,000
+

Businesses helped

892,000,000
£

Million funds sourced

24
 hours

Average turnaround from start to finish

10000
+
Businesses helped
892000000
£
Million funds sourced
24
hours
Average turnaround from start to finish
10000
+
businesses helped
892000000
£
million funds sourced
24
hours
average turnaround time from start to finish

Check If I Qualify

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What our clients say

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“Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
Jonathon Ison
“The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
Wale Towolawi
“No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
Owl Education Ltd
“Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
Mark Gill
“Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
Davis Sanassy
“Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
Upul Ekanayake
“Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
Alan Gates
“Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
Nat
“First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
John Bailey
“Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
Mike Finnigan
“I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
Marlon Carrington
“Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
Justin Jones
“I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
Finance Department
“A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
Ryan White
“Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
Dan Currey
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku
“As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
Alliance Speciality Care
“The customer service from John was great, very friendly and efficient. Would definitely recommend”
Katie
“We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
Martyn Solari
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku

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