business loans

Tide Credit Solutions are available to Tide members as part of Cashflow Insights via the Tide app. We’ll use information from your cash flow data to present you with appropriate, affordable and tailored credit options from our partners. You will already be eligible* for the options we show you, and there’s no obligation to take up any credit offer.

You should seek independent financial advice before making any decisions about your financial future, including before entering into loans or purchasing any credit products advertised by Tide.

You should see the Credit Solutions for which you’re eligible* as soon as Cashflow Insights has finished analysing your Open Banking data.

If you’re unable to view any credit solutions, then we advise you to keep using Tide Cashflow Insights forecast and recommendations. This will help you to improve your business finances and improve your eligibility to access Credit Solutions. 

It’s easy. At tide.co/features/cashflow-insights click ‘​​Get access’  to connect your current bank account with the Tide platform and follow the steps to create your Tide account.

Accessing Credit Solutions is very easy. You can view business credit options through Tide’s Cashflow Insights feature. Simply log into the Tide Platform, and from the homepage, select the ‘Solutions’ tab. You will then see all the credit solutions for which you’re eligible*.

No, you don’t need to open or own a Tide bank account to use Cashflow Insights. You can simply use Open Banking to connect your current business bank to the Tide platform. Cashflow Insights will then retrieve and analyse the account activity data available from your other bank accounts and provide you with insights and predictions, even if there is no activity on your Tide account.

A cash flow forecast is a report that will estimate how much money will flow in and out of your business over a given period. It will take into consideration information such as estimated sales, income, and general business expenditure, such as staff costs, stock, and advertising.

Tide’s Cashflow Insights will analyse activity on your account(s) with machine learning models and provide predictions of the balance of your cash flow for the next 30 days.

Positive cash flow means your business is in receipt of more cash coming in than has been paid out. Negative cash flow results from having more expenditure (eg on stock, promotions, staff salaries) than you have income.

A cash flow problem can occur when a business struggles to pay its debts when they are due. A business, and particularly a start-up, may experience a negative cash flow if they have to invest in new equipment, a large quantity of stock or if they are in an industry that experiences seasonal drops in demand.

Unlike a traditional spreadsheet, you can connect Cashflow Insights directly to any of your business accounts. It will then use a combination of your account activity, as well as machine learning models to produce real-time business forecasts and predictions for your cash flow up to 30 days ahead.

As well as predictions, it will also give you recommended actions you can take in order to keep your cash flow healthy. You will also be able to access flexible credit options tailored to your business.

Cashflow Insights is our cash flow planning and forecasting tool. It combines several Tide features to provide you with easy-to-read insights, balance and invoice payment predictions. You will also get recommendations to help you to plan for the future and optimise your cash flow all in the Tide app. If you need credit, you’ll also have access to flexible and affordable funding options.**

To use Cashflow Insights, you must be the director of a small business registered in the UK, operating as a limited company.

**Cashflow Insights is a data analytics tool and should not be construed as financial advice. You should seek independent financial advice before making any decisions about your financial future, including before entering into loans or purchasing any credit products advertised by Tide.