What are cash flow loans?

Cash flow loans are a type of financing that businesses can use to manage their cash flow needs. They provide businesses with the capital they need to cover their expenses and fund their growth, even when they are experiencing a temporary shortage of cash. They are often used by businesses that have a strong history of sales, but are experiencing a short-term dip in cash flow due to factors such as seasonality, expansion, or inventory management.

Cash flow loans are different from traditional loans in that they are typically unsecured, meaning they do not require collateral. This can be a valuable option for businesses that do not have significant assets to put up as collateral. However, it is important to note that with an unsecured loan the maximum amount you could borrow is usually £20,000. So, if you are looking to borrow more a form of secured lending may be the better option.

What are the benefits of cash flow loans?

Cash flow loans provide businesses with quick access to capital. This is particularly important for businesses that need to cover unexpected expenses or take advantage of time-sensitive growth opportunities. Cash flow loans can typically be approved and funded within a matter of days, which can provide businesses with the financial flexibility they need to manage their cash flow effectively.

Another benefit of cash flow loans is that they are flexible in terms of repayment. Most cash flow loans are structured with a shorter repayment term than traditional loans, typically ranging from six to eighteen months. This means that businesses can quickly access the capital they need to cover their immediate expenses, while also paying off the loan quickly to avoid accruing high amounts of interest over time.

Are there any risks that come with cash flow loans?

It is important to carefully consider the costs and risks associated with cash flow loans before taking one out. Businesses need to carefully assess their ability to repay the loan, taking into account their current and projected cash flow, to ensure that they can afford the loan without putting their financial stability at risk.

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It takes 30 seconds.

Simply fill out the form above, or call us to discuss your needs now.

Our team of experts are there for you.

You'll deal with the same experienced advisor throughout your enquiry.

We can get you the funds you need, fast.

You could get a lending decision in just one call.

Our flexible approach


We are proud to be a lender who can deliver loans at a fast approach, to consumers. We make this possible by carrying out our own legal checks, in house for loans under 100k, within hours. We can offer automated valuations, which are available to produce financial solutions in an instant.

Mercantile Trust regularly help their customers carry out renovations with heavy refurbishment loans, by providing finance fast.

No minimum income

At Mercantile Trust, we put our customers at the forefront of what we do.

We offer top slicing, where we can use your personal income when carrying out affordability calculations. If your rental income does not cover your mortgage repayments, we will top up the remaining amount that you cannot cover so you are able to get the loan you require.

No Exit Fees

We want you to be in control of your finance.
With no early repayment or exit fees, Mercantile Trust will strive to find a loan to meet your financial requirements.

How are cash flow loans useful?

Cash flow loans can provide quick access to capital and flexible repayment terms, making them an attractive option for businesses that need to cover unexpected expenses or take advantage of time-sensitive growth opportunities. However, it is important to carefully consider the costs and risks associated with these loans and to work with a reputable lender. By doing so, businesses can receive the funding they need to manage their cash flow effectively, while also maintaining their financial stability over the long term.

Our cash flow loans can be used for a variety of purposes related to your business. It could be that you’re looking to purchase another property to expand your portfolio, or you need to fund some essential EPC-related upgrades on an existing buy to let property. We could even lend to help you cover the cost of a large tax bill or other business overheads.

Call our freephone number above to get  in contact with one of our advisors.

Our bridging loan criteria

We aim to help absolutely everyone, however there are certain criteria that must be met in order to make a successful application:

  • Unregulated bridging applications only
  • Rates from 0.99%
  • Up to 75% loan to value
  • Most property constructions accepted
  • No personal income requirement
  • No exit fees
  • Minimum property value £75k
  • Minimum advance £25k max £500k
  • Confirmation of exit required
  • Minimum of one buy to let or residential property required
  • Serviced and rolled interest available
  • No ERC (Early Repayment Charge)
  • First and second charge available