Table of Contents
- 1 Welcome to Fast Forward Finance
- 2 Cash-flow Business Loans Funding for your Business made Simple
- 3 What is Cash-flow Finance?
- 4 Understanding Cash Flow vs. Asset-Based Business Lending
- 5 Are Cash-flow Business Loans Right for you
- 6 How Cash-flow Loans can Help your Business
- 7 What are the Eligibility Criteria for a Cash-flow Loan?
- 8 Can I Apply for a Cash-flow Business Loan if I am a Sole Trader or Partnership?
- 9 Business Loan Calculator
- 10 What’s the Typical Interest Rate for a Cash-flow Loan?
- 11 Some of the Sectors we lend to:
- 12 How does the Application Process for a Cash-flow Loan work?
- 13 What can you use a Cash-flow Business Loan for?
- 14 Why Choose Fast Forward Finance for a Cash-flow Business Loan?
- 14.1 Unsecured loans available
- 14.2 No Early Repayment Fees
- 14.3 Flexible or Fixed-term Payments
- 14.4 Fast Funding
- 14.5 Fair Decisions
- 14.6 We’re Easy to Work With
- 14.7 Stellar Customer Service
- 14.8 Following the FCA rules
- 14.9 Transparency Every Step of the Way
- 14.10 Dedicated Account Executives
- 14.11 Pellentesque Molestie Can Help Prevent
- 15 How to Apply Online for one of our Cash-flow Business Loans
- 16 Want to Check your Eligibility Before you Apply?
*Rates and fees may need to be amended to reflect current market conditions.
Welcome to Fast Forward Finance
Fast Forward Finance is an independent finance broker, specialising in providing loan services to businesses of all sizes in the UK. We have a simplified application process and can source business loans that can be used to finance your business development for a number of purposes including growing your work capital and optimising cash flow.
If you need funds to handle business projects, pay workers’ salaries, and handle short-term cash-flow challenges, get in touch with us to work out a suitable cash-flow business loan for you. Don’t struggle to run your business.
A Trusted Capital Source for over Xnumber of Businesses
At Fast Forward Finance, you are in good hands when you work with us to secure a cash-flow loan for your business.
As a business owner, you can rely on us for smart, quick and uncomplicated cash-flow loans. We are able to provide up to £XXX cheap, easy loans, with no collateral needed, making us one of the trusted sources for business capital in the UK.
Get in contact today to discuss your cash-flow loan needs.
A Proven Track Record in Providing Business Loans
Over the years, we have strived to earn a reputation for providing business loans to qualifying businesses in the UK.
So, whether you want to expand your inventory or finance business expansion projects, we may be able to come up with loan products especially suited to your needs. With our help, you may just get the company loan you need without any hitches.
Our Business Finance Specialist Team
Our cash-flow broker team of experts have access to a wide network of lending sources and competitive rates. They also are well versed in the cash-flow loans business; therefore, you can rest assured that you are working with professionals when it comes to getting a cash-flow loan for your business.
We’ve helped hundreds of UK companies identify the available funding options and access emergency cash flow financing with success.
Contact us today to find out more about the solutions that can help your business recover.
Cash-flow Business Loans Funding for your Business made Simple
Easy access to cash-flow loans can prevent your business from going insolvent, ensure that its financial obligations can be met on time and ensure business continuity.
Unlike when you obtain loans from other sources, cash-flow loans with Fast Forward Finance are devoid of lengthy paperwork, or the complications and hassles typical with conventional loans. Our cash-flow loan application process is simple and hassle-free, and comes with competitive rates and quick funding.
If you need immediate cash to secure the future of your business, we have made the whole thing easy for you. Simply get in touch with us on PHONEXXX, and let us explore all the options available to you. We may just be able to get you the funds you need to keep your business afloat.
What is Cash-flow Finance?
Cash flow finance is a method of financing in which a loan to a business is backed by the anticipated cash flows of a company.
The cash flow of a business is the amount of cash coming in and out of a business over a given time. Cash-flow finance makes use of the cash generated as a means of repaying the loan.
Cash-flow finance is useful to businesses who make a lot of cash from their sales but do not have a lot of tangible assets, such as property and machinery, that can usually be used as security for a loan.
By choosing cash-flow financing as your business’ preferred choice of funding, you may be able to access funds even before they are earned.
This funding option can be used for major acquisitions, or to finance profitable operations.
Understanding Cash Flow vs. Asset-Based Business Lending
Cash-flow lending allows businesses to borrow money based on a business’ expected potential cash flows. A lender offers a loan that is backed by past and future cash flows of the recipient. This essentially means that a business is borrowing money based on projected profits they plan to earn in the future. Asset-based loans, on the other hand, allow businesses to borrow money from their balance sheets based on the value of the assets on the balance sheet. This method of funding is obtained when a borrower provides inventory, accounts receivable and other assets on the balance sheet collateral. Although cash flows are seen as a deciding factor when providing this loan, these are secondary. All cash-flow and asset-based loans are typically secured. Cash-flow loans consider the cash flows of a business during the underwriting of the terms of the loan while asset loans consider balance sheet assets.
Cash-flow and asset-based loans can be good choices for businesses looking to handle loan costs effectively, as they are both generally secured loans that also come with better terms of borrowing.
Are Cash-flow Business Loans Right for you
If you need extra capital to fund the day-to-day operations of your business, a cash-flow finance loan may be right for you. This type of loan can be used to fund the business’ working capital such as payroll, inventory rent, and so on.
Cash-flow loans are ideally suited for businesses that retain high margins on their balance sheets or lack ample hard assets for collateral offering. Usually, interest rates for such loans are higher than the alternative due to the lack of tangible collateral which the lender will receive in case of default.
A cash-flow loan is right for your business if you have cash-flow challenges for any reason, operate in a seasonal market and experience slow seasons, need cash to handle day-to-day business operations, or simply need to make pressing payments. To talk more about your cash-flow finance needs, call PHONEXXX to speak to an expert.
- Secure funding without the need to secure the loan against specific assets.
- Funding provided against the strength of your revenues and ability to cover the cost of repayments.
- Flexible repayment systems.
- Loans typically range from 12 to 24 months.
- Improve your debt turnover
- Get quick access to funds
- Reduce your accounts receivable costs
- Benefit from cash-flow confidence
- Improve customer trust
- Invest in technology and innovation
- Maintain the competitive advantage
How Cash-flow Loans can Help your Business
A cash-flow loan lets you get inventory at the most suitable time. A fresh up-to-date inventory will ideally expand the scope and appeal of your product line leading to more consumers happy with a larger option.
A cash-flow loan, much like a working capital loan, helps companies cover their daily costs and activities. Unlike other funding items, lenders providing cash-flow loans are more concerned with your business results and less on your credit score, which ensures that many more companies will apply and get finance.
This means that as long as you have access to cash-flow finance for your business, you can carry out business operations uninterrupted, enjoy a competitive advantage and watch your business grow.
Turning a Cash-flow Loan into a Competitive Advantage
The benefits of cash-flow loans put businesses on a much stronger competitive footing that opens up even more possibilities for growth and potential achievements.
For example, the ability to respond rapidly to business opportunities, such as acquiring a rival, handling a project, or securing a lucrative business contract, will give you the industry advantage any time.
Cash-flow financing, when used to invest in research and development (R & D) can result in the long-term sustainability of your business. But this is only possible when there is ready cash to be used in that department.
When there is cash, the business has a working capital pool to finance its operations. Adequate cash helps the business boost cash flow rate, increase the financing available to the business, increase its purchasing power, allows it to strengthen its supplier relationships, spend less time and resources managing cash flow and provides funding to increase sales and revenue. All of which gives the business a strong advantage in the marketplace.
What are the Eligibility Criteria for a Cash-flow Loan?
Eligibility for the repayment period of the loan sum and the lowest rates are dictated by the cash flow of the company and the credit history of the business owner. In addition, the business must have been in operations for at least three years.
Lenders may also require a cash-flow forecast for a number of months to show that your business is profitable enough to meet the repayments comfortably. All these may seem overwhelming for a first-time borrower, which is why we are here at Fast Forward Finance, ready to lend a helping hand.
Can I Apply for a Cash-flow Business Loan if I am a Sole Trader or Partnership?
Yes, you can. We welcome applications from all types of businesses.
Generally speaking, cash flow lending is better suited if the company retains reasonably high margins on its balance sheets or lacks hard assets to sell as collateral. This can be particularly useful for businesses like service providers, marketing firms and low-margin product manufacturers.
Business Loan Calculator
Use our free business loan calculator to review your repayment options and make an educated decision before applying.
Our free business loan calculator helps you to quickly calculate the possible costs of taking out a cash-flow loan in a user-friendly format for your company. To get an idea of the rates available to you, enter the appropriate details in the tool or call PHONEXXX to get information from an adviser.
What’s the Typical Interest Rate for a Cash-flow Loan?
Depending on the amount involved, cash-flow loans tend to have an interest rate of between 8% and 10%.
Some lenders require that loans of a particular amount have a cosigner, and the borrower’s equity in the company must equal 20% of the loan’s value.
These are just typical rates and details obtainable in the industry. To get actual rates comparisons and pick out a good deal, request a no-obligation cash-flow loan quote today.
Some of the Sectors we lend to:
- Retail businesses
- Bars and restaurants
- Hotels and B&Bs
- Hair and beauty salons
- Dentists and opticians
- Auto garages and MOT centres
How does the Application Process for a Cash-flow Loan work?
Application for funding is the first step in any business financing transaction. The amount of information you need to provide varies by lender, as does your way of doing business.
Enter the relevant details in the application form to get started. If you encounter any problem, there are experts on hand to help. Just get in touch.
This is where the lender evaluates your application including your loan security, credit rating, proof of income, repayment plan, loan term and the other lender-specific criteria. If everything checks out, you will get an offer in principle from the lender via us.
Once your business has scaled through the underwriting level, the lender will make you an offer. This will typically consist of how much the lender is willing to let you borrow along with the total amount of debt, interest rate and a timeline for repayments.
This will also contain any stipulations that may have been applied during the underwriting process. It is up to you then to accept or reject the offer.
If you like the offer from the lender, you can move ahead by getting in touch with your dedicated account offer to indicate your acceptance and sign the loan contract. This is an important process before the approved funds can be released.
If everything checks out and after signing the contract, the lender will pass the funds to you. It is normally done as a lump sum in the bank account for your company.
What can you use a Cash-flow Business Loan for?
- Day-to-day business expenses
- Purchasing inventory.
- Purchase, lease or repair of equipment.
- To fund business expansion
- To buy, lease, renovate or refinance business property
- To pay unexpected bills, such as tax and VAT
- To hire and pay staff.
- To fund business growth
Why Choose Fast Forward Finance for a Cash-flow Business Loan?
Unsecured loans available
We work with lenders who can provide unsecured business loans under the right circumstances, with flexible payments related to the cash flow of your company. Repayments can be made either as a fixed direct debit or as a percentage of future cash flows.
No Early Repayment Fees
You can choose to pay off your debts early as your company grows and your cash flow improves. When you pay off the loan before its scheduled maturity, you do not incur or pay any early repayment charges.
Flexible or Fixed-term Payments
You’ll have the option, with Fast Forward Financing, between a fixed or flexible repayment system for your business loan. Simply let us know what you are comfortable with and we will try to get a lender that understands your situation.
At Fast Forward Finance, we work only with lenders that have minimal loan procedures. With very little paperwork and a soft credit check, there is nothing standing between you and the funds you need. Once you can meet all the necessary criteria, you can count on getting the funds you applied for in very little time once the loan has been approved.
You work directly with our highly experienced and professional partner lenders who will judge your company on its merits allowing fast and fair decisions to be made.
We’re Easy to Work With
The Fast Forward Finance team strives to be a pleasure to work with. You will find that we consistently try to be incredibly helpful, accessible, competent and easy to work with and that we put our customers first in every way.
Stellar Customer Service
We always aim to put the customer first and to work tirelessly to ensure the best possible support and the competitive loan products are delivered to you. We are not connected to any specific lender, which means that we can provide fully impartial advice on the best products for your company, providing stellar customer service at every turn.
Following the FCA rules
Our brokerage service and the lenders we work with all follow the approved FCA rule. This means the credit source is secure, and you are dealing with a reputable business.
Transparency Every Step of the Way
At Fast Forward Finance, we combine a traditional high street bank’s financial experience and credit facilities with the speed, versatility, accountability and transparency of alternative business lending to deliver a solution-based approach to your business.
You can trust us to deliver our common-sense approach and transparent services.
Dedicated Account Executives
We aim to be able to efficiently meet your demands and requirements through our commitment to our work and a wide array of lending partners.
We try to always have a skilled expert member of our team to help and support our customers.
During the entire process, the specialist will stay with you and direct you through each move, so that you can be sure of a seamless, hassle-free and profitable experience.
Pellentesque Molestie Can Help Prevent
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How to Apply Online for one of our Cash-flow Business Loans
It is easy to apply for cash flow commercial loans by Fast Forward Financing. Just fill in our quick and easy online application and you will be contacted by one of our friendly loan specialists to learn more about your business and loan needs Our application process boasts the following features:
Cash-flow financing applications take minutes to complete with our easy qualifications. As long as you have a business running in the United Kingdom, have a good cash-flow history and a good plan to repay the loan, you have a fair chance of getting cash-flow finance from our partner lenders.
Easy Application Requirements
One of the benefits of using a business loan broker such as Fast Forward Finance is to escape all the lengthy paperwork and bureaucracy that is common to traditional lenders. Every element of our method is simple. And if you run into a problem, we’re always on hand to help.
Fast Forward Finance works with partners who review loan applications quickly and grant approvals quickly. That means you will know the status of your loan within a few hours of applying.
Want to Check your Eligibility Before you Apply?
Want to check and see if you are eligible for a cash flow business loan?
You can check your eligibility and apply for a loan by using the simple eligibility form provided.
It is quick, simple and above all free.
Would you rather speak with someone before you fill out the application form? No problem. Please call our office and someone will be happy to answer your questions and explain how this all works.