The right capital.
For the right
business.
Cashflow arranges business finance for ambitious, high-growth companies. We access hundreds of lenders — clearing banks, specialist providers, fintechs and niche funds — to find the structure that genuinely fits your business, not the one that is easiest to place.
Finance expertise, without the friction.
We are not here to push product. We are here to find the right funding for your business — and that means understanding it properly first. No intermediaries, no handoffs, no panel of three lenders presented as "the market". Just direct, experienced advice from someone who has been on both sides of the lending table.
Finance professionals with a rare combination of lending, investment and operating experience.
Previously a senior figure at one of the UK's leading asset finance lenders, in his career he has seen every type of transaction and funding requirement the market produces.
A lender at a leading UK bank before moving into Private Equity — he has previously been an executive living within the constraints of the capital structures he has helped to arrange.
Cashflow was built on a simple frustration: too many businesses were being funnelled towards the same handful of lenders by advisers with limited market access and limited incentive to look harder. The result was funding that worked — but only just.
We built something different. By maintaining direct, senior-level relationships across the entire lending market — from the major clearing banks through to niche specialist funds — we can genuinely identify the best possible structure for each client, not just the most convenient one.
Whether you need working capital, a term facility to fund an acquisition, or a more complex multi-tranche structure involving equity and debt, we have the relationships and the experience to get it done — cleanly, efficiently and on terms that actually work for management.
As a sister company to CorpFin, we also bring complementary corporate finance expertise to situations where the funding need intersects with a wider strategic or transactional question.
Business finance, across the full spectrum.
Every business has a different funding need. Some are straightforward; most have a wrinkle or two. We work across every type of business finance product, which means we can construct the right solution regardless of what the situation calls for.
Working Capital
Term loans, overdrafts and revolving credit to keep the business moving.
We arrange term loans and working capital facilities from a wide panel of clearing banks, challenger banks and specialist lenders. Whether you need a straightforward overdraft or a multi-currency revolving facility, we find the most competitive terms available — not just the most accessible ones.
Invoice Finance
Unlocking cash tied up in your sales ledger — without waiting 60 or 90 days to get paid.
Invoice finance — whether factoring or invoice discounting — can transform the cashflow of a growing business. We access the full range of providers to find a facility that works at the right advance rate, with sensible charges and without unnecessary intrusion into your customer relationships.
Asset Finance & Lending
Funding equipment, plant and assets without tying up working capital unnecessarily.
From hire purchase and finance leases to full asset-based lending facilities secured against the balance sheet, we work with specialist providers to find the right structure. Asset-based lending in particular can release significant capital from businesses with strong fixed or current assets.
Trade Finance
Bridging the gap between purchasing and selling in import/export businesses.
Import finance, export finance and letters of credit are specialist products that require specialist lenders. We hold relationships across the trade finance market and can structure the right solution for businesses buying internationally, selling internationally, or both — at speed.
Property Finance
Commercial mortgages and bridging finance from £250,000 upwards.
We arrange commercial mortgages for owner-occupied and investment property, as well as bridging loans for time-sensitive acquisitions or refurbishments. With access to a wide panel of property lenders — from mainstream banks to specialist bridging providers — we can move quickly when it matters.
Growth & Acquisition Capital
Mezzanine debt, acquisition finance and equity for ambitious growth plans.
When a business needs more than a term loan — for an acquisition, a management buy-out, or an accelerated growth plan — we work alongside CorpFin to structure the right blend of senior debt, mezzanine and equity. One call gives you access to the full capital markets toolkit.
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Not your average broker.
Most finance brokers work from a short panel of preferred lenders and dress it up as whole-of-market access. We don't. Our value is the genuine breadth of our relationships and the depth of our experience — and those two things together produce materially better outcomes for our clients.
Genuinely independent
No tied arrangements. No preferred lender panels. No commissions that skew recommendations. We get paid when we find you the right deal — and the only way to do that consistently is to genuinely search the whole market, every time.
Both sides of the table
Our team has been lenders, borrowers and investors — not just brokers. That first-hand experience means we understand how credit committees think, what they really want to see, and how to present your business in the strongest possible light.
200+ direct relationships
High street banks, challengers, fintechs, debt funds, mezzanine lenders, family offices, property and bridging specialists — we hold direct, senior-level relationships across every corner of the UK business finance market.
One call to the market
You deal with us, and we access the market. One relationship, one process, one set of information requests. No traipsing round ten lenders with the same information pack — we do that, quietly and efficiently, so you don't have to.
Know a business that
needs funding?
Accountants, non-executive directors, management consultants and other professionals use our services to create additional recurring revenue — while adding genuine value to their client relationships. We pay generous commissions and we look after every introduction properly. No fuss, no awkward conversations, just a straightforward arrangement that works for everyone.
Ready to talk funding?
An initial conversation is on us, with no obligation either way. Tell us what you are trying to achieve — we will give you a straight view of what is possible, who is likely to back it, and broadly on what terms. No jargon, no pressure.
Sister company to CorpFin — corporate finance advisory for defining moments