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Cash Flow Finance
Cash flow problems are not a sign of a failing business — they are a sign of a growing one. Winning a large contract, taking on staff, or scaling up inventory all tie up cash before income arrives. Cash flow finance is designed for that window.
Common causes of a cash flow gap
Long payment terms from customers (30, 60 or 90 days). Seasonal trading: heavy outgoings before the busy period, then income arrives in a rush. Tax bills — VAT, corporation tax or PAYE — falling due before a customer payment clears. Rapid growth: each new order requires materials and labour before it generates revenue.
A cash flow loan covers the gap so you can pay your own suppliers and staff on time, protect credit relationships, and keep trading through the delay.
Credicorp cash flow finance: key points
- £5,000 to £250,000. Decision typically same business day.
- Fixed daily rate — agreed before you sign, no surprises.
- Three to twelve month terms matched to your repayment window.
- Unsecured — no personal guarantee, no charge over assets.
- Open Banking consent is the only financial data we need.
- Repay early at any point; no redemption penalty.
Cash flow loan vs overdraft vs invoice finance
An overdraft gives you a revolving line to dip into; you pay interest only on what you use day by day. Best for ongoing, unpredictable fluctuations. An invoice finance facility assigns outstanding invoices to a lender and advances a percentage of their face value. Best for high-volume B2B sales with consistent 30–90 day terms.
A cash flow loan — like the one Credicorp provides — is a lump sum for a defined period at a fixed cost. Best when you know the size of the gap and the rough timeframe before income arrives.
Common speirins
How fast can I get funds?
Most applications are decided the same business day. Once you accept an offer, funds transfer to your business account typically within two hours during banking hours.
Do I need to explain what I am using the loan for?
We ask the broad purpose (cash flow, stock, payroll, tax bill, etc.) as part of responsible lending. We do not audit individual transactions or require receipts.
Will applying affect my credit score?
Our initial assessment uses a soft credit check — not visible to other lenders. A hard search is recorded only when you accept and draw down an offer.
What happens if my cash flow problem lasts longer than expected?
Repayments are fixed for the agreed term. If you anticipate difficulty meeting a payment, contact our payments team before it falls due — we have a formal payment-arrangement process.