Cash Flow Finance Solutions UK 2025
Solve cash flow gaps caused by payment delays, seasonal dips, or growth. Invoice finance, MCA, and overdraft options compared for your business expansion.
Common Cash Flow Problems
Payment terms gap: Pay suppliers in 7 days, customers pay you in 60
Seasonal dips: Quiet winter months for tourism/retail
Growth strain: Need stock before revenue arrives
Unexpected costs: Equipment breakdown, urgent repairs
Cash Flow Finance Options
Invoice Finance
Best for B2B
Cheapest solution at 1.5-4%
- Advance 80-90% of invoice within 24 hours
- Customer pays invoice in 30-90 days
- You receive remaining 10-20% minus fee
Cost:
£20k invoice = £400-£800 fee
Merchant Cash Advance
Best for B2C
Fast and flexible - 24-48 hour approval
- Borrow 1-3× monthly card sales
- Repay via daily % of card takings (flexes with revenue)
Cost:
Factor 1.15-1.40
Overdraft
Best for Short-Term
Use only when needed
- Pay interest only on amount used
- Instant access if pre-approved
Cost:
8-18% APR
Which Solution for Your Cash Flow Issue?
B2B with 30-90 day payment terms:
Invoice Finance (cheapest)
B2C accepting cards:
Merchant Cash Advance (flexible)
Temporary gap (under 3 months):
Overdraft
Seasonal business:
MCA or seasonal overdraft
Solve Cash Flow Problems
We will match you with the most cost-effective cash flow solution
Compare invoice finance, MCA, and overdraft options for your business growth
Get Cash Flow FinanceFrequently Asked Questions
What are common cash flow problems?+
Common issues include: Payment terms gap (pay suppliers in 7 days, customers pay you in 60), seasonal dips (quiet winter months for tourism/retail), growth strain (need stock before revenue arrives), and unexpected costs (equipment breakdown, urgent repairs).
What is the best cash flow finance solution?+
Best depends on your business: B2B with 30-90 day payment terms = Invoice Finance (cheapest at 1.5-4%). B2C accepting cards = Merchant Cash Advance (flexible, 24-48 hour approval). Temporary gap under 3 months = Overdraft. Seasonal business = MCA or seasonal overdraft.
How much does cash flow finance cost?+
Costs vary: Invoice Finance = 1.5-4% (cheapest, £20k invoice = £400-£800 fee). Merchant Cash Advance = Factor 1.15-1.40. Overdraft = 8-18% APR. Invoice Finance is cheapest for B2B businesses with outstanding invoices.