Cash Flow Loans

How Does Cash Flow Lending Work?

In most cases, cash flow lending is used by small companies that don’t have the required assets to back up a loan, a track record of profitability, or a significant credit history. This means that the lender will often charge higher interest rates, while the origination fee is also likely to be higher. It’s always important to repay cash flow loans as quickly as possible, as they can become a real drain on your business’s finances if you start missing payments.

Let’s look at a situation where cash flow lending could be an appropriate course of action. Imagine a seasonal business, such as a greetings cards company, that makes most of its annual sales from November to January. This company may experience low cash flows during the summer months, so to cover the cost of payroll and rent, they may consider taking out a cash flow loan. When cash flows kick in during the winter, they’ll repay the loan, with interest.

Competitive

We can provide you with home loan options that are competitive and suit your financial needs. As independent brokers, we will always give you an unbiased opinion on the best home loan for your situation.

Flexible

We understand that you may not be able to visit us in the office during 9-5 Monday to Friday. This is why we offer flexible hours and are happy to schedule weekend appointments.

Personalised

We want to understand your financial situation so that we can personalise a solution that meets your budgetary requirements.

Online Application Process

We have online applications that we can help you complete from the comfort of your home.

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