business loans

Access tailored business loans with Cashflow Insights

Connect your business bank account to the Tide platform in minutes. Access a range of credit options to suit your business.

Get access

Connect your business bank account to Tide and receive a £75 Uber/Uber Eats voucher. Limited availability. Terms & conditions apply.

£75 Get Access
Get £75

Connect your business bank account to Tide and receive a £75 Uber/Uber Eats voucher. Limited availability. Terms & conditions apply.

Get Access

Unlock affordable credit for which you're already eligible*

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Estimate your amount

Access cash flow forecasts through Tide Connect to decide how much you need

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Compare business loans

View affordable credit solutions tailored to your business

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View repayments

Know exactly how much you need to pay back and when

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Boost your credit score

Pay your business loan back on time to grow your credit score

Compare business loan options for your business

Connect Cashflow Insights to your business bank account with Tide Connect and view tailored Tide Partners’ credit solutions based on your activity.

Business loans

Boost your cash flow, grow your business or cover your operational costs with a classic business loan.

  • Choose from affordable options to suit your business
  • Access a range of flexible repayment options
  • Scale your business with this longer term solution
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Start-up loans

Turn your business dream into a reality by applying for a start-up fixed-interest loan.

  • Get peace of mind with a UK Government-backed personal loan
  • Borrow up to £25,000 per business owner
  • Access finance of up to £100,000 per business
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Business cash advance

Cover the costs of extra stock or invest in new equipment with a business cash advance.

  • Use a short-term funding option
  • Repay as an agreed percentage on your card payments
  • Get flexibility during uncertain trading periods
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Recovery Loan Scheme (RLS)

Get your business back on its feet post-pandemic with a business loan from the Loan Recovery Scheme.

  • Use to finance working capital
  • Access a business loan of up to £350,000
  • Apply even if you’ve received Bounce Back/Coronavirus Business Interruption Loans
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Other partner products

Access and compare business loans from a host of other funding sources.

  • Apply for Revenue-Based Finance Loans
  • Access equity finance for your business
  • View grant funding opportunities for your small business
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Maintain a healthy cash flow with your personal business assistant

Ideally, you want more money coming into your business than going out.

Well, the good news is that Cashflow Insights is so much more than a credit solutions provider. It also helps you control your cash flow and boost your credit score. Get intelligent insights and balance predictions up to 30 days ahead. Receive recommended actions to help you stay in control of your finances.

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Revolutionise your business forecasting with Tide Connect!

With our Tide Connect integration, you can connect your Tide account, as well as any other business accounts you may have.

Cashflow Insights will then analyse the data from all your connected accounts. The more activity, the more personalised your forecasts will be.

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Keep your business finances healthy

Our mission is to help you navigate your financial future. With Cashflow Insights, you'll receive an up-to-date forecast in seconds, helping you to stay on top of your business finances.

  • Plan for the future 📈

    Get easy-to-read insights and balance predictions from our FREE cash flow planning tool.

  • Compare and choose the right funding 🔍

    Access a list of recommended options, tailored for your business.

  • Open up your options for funding 💷

    Stop paying high interest rates for business loans with affordable credit options.

  • Save time - no more lengthy applications 🕒

    All the credit products we’ll show you are tailored to your business, plus you’re already eligible*

  • Improve your credit score 🌱

    Borrow through Cashflow Insights and pay back what you owe on time

Get access

Cashflow Insights

What are Tide Credit Solutions?

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.

When will Tide Credit Solutions be ready to use?

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. 

How do I get access to Cashflow Insights?

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.

How do I access Credit Solutions via Cashflow Insights?

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*.

Do I need a Tide account to use Cashflow Insights?

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.

What goes into a cash flow forecast?

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.

What is positive and negative cash flow?

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.

What causes cash flow problems?

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.

How does Cashflow Insights work?

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.

What is Cashflow Insights?

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.

*Additional eligibility checks might be run when applying for Tide’s partner products

**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.