Finance by purpose
Funding for cash flow
Cash-flow funding is usually about timing rather than profitability. The work is done, the invoice is out, but the money lands 30, 60 or 90 days after the costs did. Businesses reach for it when suppliers, wages and overheads all fall due before customer payments arrive.
Structures
How cash flow is usually funded
The right structure depends on how quickly the funding pays for itself. These are the options most often used for this purpose.
- Short-term working capital facilities repaid from the trading cycle
- Unsecured facilities where speed matters more than size
- Facilities sized to the gap rather than the maximum available
Assessment
What affects the amount available
- Consistency of monthly turnover in your bank statements
- Length and reliability of your customer payment terms
- Existing finance commitments and their monthly cost
- How long you have been trading
Preparation
What to have ready
None of this is mandatory before you start, but having it to hand makes the conversation quicker and the answer more accurate.
The last few months of business bank statements
Your aged debtor report, if you produce one
A clear view of when the money is expected back in
Business finance is a commitment. Repayments must be met from business income, and missed payments can affect your business. Consider affordability before applying.
£2,000 – £500,000
Months 1–6 · interest-free
£3,125.00
Then £3,453.80 a month for the remaining 18 months
No interest for the first 6 months — you repay capital only.
Illustrative estimate. Figures are worked out from a configured assumption that has not been verified and are not a quote or an offer of finance. Actual rates, terms and availability depend on assessment of your business.
Related options
Products that tend to fit
A specialist will confirm which of these suits your request once we understand how the business trades.
Unsecured Business Finance
For businesses that need working capital without securing finance against a specific business asset.
Secured Business Finance
For established businesses seeking larger or more complex funding arrangements.
Working Capital
For stock, suppliers, seasonal requirements and short-term cash-flow needs.
Growth Finance
For hiring, expansion, equipment, marketing and strategic projects.
Ready to move your business forward?
Start with an eligibility check, or talk it through with a funding specialist first. Either way you will get a straight answer about what may be possible.
£500 onboarding cashback when you complete onboarding
UKCapitalFund - Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.
UKCapitalFund - Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.
UKCapitalFund - Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.
UKCapitalFund - Funding Circle Ltd also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited. The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.
