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BUSINESS CASH FLOW LOANS

Let a cash flow loan take the weight off your daily trade

Maintain momentum, smooth out seasonal dips, and bridge temporary gaps between outgoings and incoming revenue with a tailored business cash flow loan.

  • Borrow from £5,000 to £1 million

  • Compare business finance options in minutes

  • Completing a quote won’t affect your credit score

Loan Type
Loan Amount
£

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1.6 billion in funding to more than 43,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

Is a cash flow loan right for your business?

Unsecured lending

No physical collateral, like business property or machinery, is required to secure the finance.

Turnover-based limits

Borrowing amounts are calculated directly against your historical and projected monthly revenue streams.

Flexible loan terms

Funding available from short-term facilities of just a few days up to multi-year structures.

Early repayments

Have the option to clear your balance ahead of schedule and eliminate future interest costs with no hidden fees.

Apply now

Why choose Tide to help you secure a cash flow loan?

From online applications to a wide range of lending partners, we’ve built a smarter way for businesses to access the finance they need to thrive.

Apply online in minutes

Save valuable time by applying for a loan through our online process. Our intuitive application is designed to take just a few minutes, allowing you to bypass the paperwork and get back to growing your business in no time.

Compare options easily

Gain access to our network of over 80 trusted lenders to find the right fit. By comparing multiple offers in one place, you'll have a better chance of securing a deal that aligns with your specific business goals and cash flow needs.

Protect your credit score

Check your loan options with total peace of mind. Applying for a loan through Tide has no impact on your credit score, allowing you to see what you qualify for without affecting your financial footprint.

Access a range of business finance options from our trusted partners

How do cash flow loans work?

Unlike many traditional bank loans that require physical collateral, a cash flow loan is based entirely on your revenue.

Approved by turnover

Lenders analyse your historical sales – not your property or equipment – to determine how much you can borrow.

Fast lump-sum injection

Once approved, the money will land directly in your account (often within 24 hours) to bridge any immediate cash gaps.

Revenue-matched repayments

You repay the loan over a flexible schedule (from 1 month to 5 years). If your cash gap closes early, you can clear the balance ahead of time to save on interest.

Apply now

Are you eligible for a business cash flow loan?

To be eligible for any type of business loan or credit from Tide, you must:

  • Be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

What do you need to apply for a cash flow loan?

  • Basic information about your business, such as how old it is, and your annual revenue 

  • Information on directors and shareholders

  • Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

We've already helped businesses secure more than £1.6 billion

We’ve provided funding to more than 43,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

How to apply for a cash flow loan

With access to over 80 lenders, Tide will help you find a lender tailored to your business - and the process is simple.

  1. Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

  2. Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

  3. Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

  4. Get a decision and credit is released Depending on the type of finance you’ve applied for, the money could be released to the equipment supplier in around 24 hours.

 Apply now

What is a cash flow loan?

A cash flow loan is a type of short-to-medium-term business lending designed to support your daily operations and bridge the gap between outgoings and incoming payments.

Unlike asset finance or a secured long-term expansion loan, a cash flow loan isn’t tied to physical collateral. Instead, lending is based on your business’s trading history and revenue streams. It provides rapid access to working capital so you can pay bills, respond to new opportunities, or handle seasonal fluctuations without disrupting your cash reserves.

What can you use a cash flow loan for?

📈 Managing seasonality

If your revenue has natural ups and downs, cover expenses during lean periods and stay steady all year round.

🧾 Meeting immediate outgoings

Never scramble to clear supplier invoices, cover payroll, or meet short-term tax bills before your revenue lands.

📦 Securing stock

Take advantage of bulk supplier discounts or purchase extra inventory ahead of a busy trading period.

🚀 Seizing growth opportunities

Fund a sudden marketing campaign, hire extra team members, or cover upfront project costs to expand your business.

🔧 Handling emergencies

Repair vital business equipment, replace broken machinery or handle unexpected bills without disrupting your daily operations.

🏢 Refurbishing premises

Upgrade your workspace, refresh your retail shop floor, or invest in site improvements to attract more customers.

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Other cash flow options built for your business

Working capital loans

Manage unexpected costs and maintain consistent cash flow without giving up equity.

Explore working capital

Asset finance

Pick up essential equipment or vehicles without upfront capital.

Explore asset finance

Invoice finance

Unlock cash from unpaid invoices, improving immediate cash flow.

 Explore invoice finance

Revolving credit facilities (RCF)

Draw, repay and re-draw capital repeatedly over the agreed term.

Explore RCF

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

 Learn more

Learn more about financing your business

Cash flow loan FAQs

While both assist with liquidity, cash flow loans are typically shorter-term solutions designed specifically around immediate revenue cycles (like bridging a gap while waiting for client payments or dealing with sudden cash spikes). 

Working capital loans are often integrated into broader, longer-term financial planning to handle overall day-to-day operational expenses.

Most quick cash flow loans are unsecured, meaning you don't need to put up physical business collateral (like property or equipment) to borrow against. Because there’s no lengthy asset valuation process, approvals can be much faster. However, depending on the lender and the amount borrowed, a personal guarantee may be required.

Yes, many of our lenders offer high flexibility – including facilities where you can borrow from as little as 1 day up to several years. You may also be able to repay early with no hidden fees, meaning you only pay interest on the time you actually hold the money.

The online application takes just a few minutes. Most of our partners can provide an automated or expert-backed decision within 24 hours, with the money hitting your account on the exact same day or the following morning.

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 2 million sole traders, freelancers, and limited companies worldwide.

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