Our lending partners
What is Cash Flow Finance?
Cash Flow Finance is a funding product that businesses can use when cash is short. It enables businesses to fund key operations, reach goals and avoid risk. Even if you have no problems with your cash flow, taking out a business cash flow loan can help push your company to new heights by enabling the purchase of goods previously out of reach.
Business actions that can be funded with this type of finance include:
- Paying suppliers
- Purchasing stock
- Funding an upcoming expense
- Paying unexpected bills
- Paying VAT and tax bills
Discover the different types of Cash Flow Finance.
Cash Flow Finance is a general term that covers several separate business funding products that we can offer at Aurora Capital. Find out more about each of our available business cash flow loans below.
A short-term finance facility allowing you to clear outstanding Vat or Tax before HMRC come knocking. We can raise up to £ 85k in a matter of hours, allowing you to get on with your daily tasks.
- Loans up to £85k
- Paid directly to HMRC
- Terms over 12 months
A flexible way to release money tied up in your unpaid invoices. We could advance up to 95% of the invoice value, without the need for a PG or credit check.
- Facilities up to £2m
- Selective and whole debtors facilities
- Raise up to 95% of invoice value
A line of flexible credit to
finance international and domestic supplier invoices so you never
miss an opportunity to grow your business.
- Line of credit up to £3,000,000
- Extend supplier credit terms up to 150 days
- Completely unsecured
A revolving credit line, allowing you to dip in and out over the course of 24 months. Perfect for businesses that may not need all the funding at once.
- Make multiple drawdowns
- Terms up to 2 years
- Only pay for what you use
Get your free, no obligation quote today!
Prefer to talk? Call us on
020 3355 7462
More About VAT/Tax Loans
If you’re running a business, you’ll be well-aware of your tax and bookkeeping, and depending on how much you earn as a company, you may need to pay VAT tax at the end of each quarter.
The same goes for corporation tax, which needs to be paid at the end of the year. Because corporation tax is calculated retrospectively, you need to have a pocket of cash put aside for the returns. If you don’t, your business could run into trouble.
A VAT/Tax business cash flow loan is a short-term finance facility allowing you to clear outstanding Vat or Tax before HMRC comes knocking. We can raise up to £85k in a matter of hours, allowing you to get on with your daily tasks. VAT and tax loans can give your business the cash flow boost it needs to pay the bills and keep the taxman at bay. Many lenders can offer to send the funds straight to HMRC and structure repayments over 1-12 months. Other lenders may offer a simple unsecured business loan.
More About Invoice Finance
If you have money tied up in unpaid invoices, invoice finance could provide the funding your business needs to maintain operations. As invoices can take a long time to complete, you can be left without money for days or even months. Invoice finance enables a quick cash injection to get your business on its feet and moving in the right direction.
With this business funding product, you can receive up to 90% of your unpaid invoice amounts without the need for a PG or credit check. If you have clients with a good record for paying bills, invoice finance could be your best option for getting cash fast.
More About Trade Finance
Trade finance is a broad term to describe finance used to aid businesses who trade internationally, domestically, or both. This finance is used to help fund transactions between buyers and sellers of goods. If you find yourself short of cash when buying inventory, trade finance could give you the capital needed to fulfil a purchase.
If your business is unable to purchase a large shipment of important stock, trade finance can be there to pick up the financial load. Your supplier can invoice directly to the lender, cutting out unnecessary transactions and adding security for the seller. Trade finance allows the buyer to honour a large wholesale order and allows the seller to fulfil the order without any risk.
More About Revolving Credit Facilities
A Revolving credit facility is a line of credit which allows a UK business to access funds whenever necessary. Instead of having to reapply for new credit once you’ve paid it back, this type of credit remains accessible for the term agreed. You’ll agree to a limit based on affordability tests and your credit rating, and have access to that amount until your terms are up or you decide to end the service. This business cash flow loan is ideal for businesses that may not need all the funding at once.
Am I eligible for Cash Flow Finance?
Whether or not you’re eligible for Cash Flow Finance will be determined by the type of business finance you decide to apply for. Cash Flow Finance is a general term that covers a range of products and services, and details of each can be found on this page. You need to first decide what you need the capital for and apply for the correct service.
For a quick example, if you were to require trade finance, you will typically need to have a turnover of £1 million a year. However, there are lenders who will provide funds to smaller companies. Lenders will still need to assess the order quantity, end-buyer, and a few other things before they can offer business financing.
Key Benefits of Cash Flow Finance
One of the key benefits of a business cash flow loan is the flexibility. Cash Flow Finance enables companies to make the necessary purchases that will keep them moving forward – without sufficient cash flow, businesses can quickly get into trouble. Whether you need to pay taxes, purchase stock or pay suppliers, we can match you with a lender offering great terms and interest rates.
If your business is struggling with cash flow and has a number of large purchases coming up that need to be paid, one of our Cash Flow Finance options could be the right product for you.
How Business Cash Flow Loans Work
If your business takes invoices, for example, you might not see that money until the job is finished. If you need to purchase materials and inventory, you might struggle to get the funds together to complete the job. With Cash Flow Finance, you can get a loan to cover the cost of materials to complete the job and then pay the loan off once the money has come in.
Why choose Aurora Capital for cash flow finance?
Aurora Capital are experts in business funding in all capacities, and have had years of experience helping clients raise the necessary capital to grow and expand.
Our powerful decision engine pairs businesses looking for quick loans with trusted lenders offering great interest rates and other repayment terms. Whether you’re looking for Cash Flow Finance, secured or unsecured business loans or property finance, we have the expertise to guide you towards the best decision for you and your business
Get your free, no obligation quote today!
Prefer to talk? Call us on 020 3355 7462
Business Cash Flow Loans: FAQs
How do I apply for a business Cash Flow Loan?
Before applying for a business cash flow loan, it’s important to decide which option will be best for you. At Aurora Capital, our lenders can offer the following:
- VAT/Tax Loans
- Invoice Finance
- Trade Finance
- Revolving Credit Facilities
We have access to a huge selection of fantastic lenders who can assess your application and make sure you’re the right fit for funding. To apply, simply fill out a form on our website or give us a call on 020 3355 7462.
What can a business cash flow loan be used for?
A business cash flow loan can be used for a range of business operations, such as buying premises, paying tax, releasing cash from invoices, hiring new staff, and much more. It is essentially used for specific cases where cash flow is needed to complete a transaction.
How much can I borrow and how long can I borrow for?
How much you borrow and the length of time you can borrow for will largely depend on which business cash flow loan you apply for – for example, with Revolving Credit Facilities you could have funds for up to 12 months, but others may have much shorter terms. It will also depend on the lender, but at Aurora Capital we will ensure you are provided with the options that will best suit your needs.
How can I find a lender?
As funding specialists, Aurora Capital provides SMEs with business loans that are suited directly to their needs. Over the years we have built up relationships with multiple lenders who can provide fast and flexible funding, meaning we can offer a wide array of business loan types with numerous benefits and competitive rates.
Finding the right funding is often a long-winded process, with plenty of variables to consider from all the different providers. Our finance experts can help, providing you with a list of the best deals and rates.
We cover a multitude of finance options.
Aurora Capital is here to help. Navigate our range of solutions to find out more.
Like what we
have to offer?
Why choose Aurora Capital for fast business loans?
As funding specialists, we can provide any size company with fast, quality business loans that are suitable for their specific needs. We have built relationships with a portfolio of fantastic lenders who can provide flexible funding, meaning we can offer your business the most competitive rates on top of additional benefits.
Finding the right funding can be a challenge at first, but our experts are always on hand to guide you through the process and make it as seamless as possible. We’ll provide you with a list of the best deals and rates suitable for your company, and ensure you’re in-the-know when it comes to repayment terms and any crucial legalities.
Speak to us and find out how much your business qualifies for
020 3355 7462