Cash flow loans

Keep your business thriving when cash flow is poor with a flexible business loan through mcl finance. We provide quick access to funding that's tailored to your needs and fuels your success, whatever that means to you.

  • Unsecured loans from £5,000 to £100,000
  • No early repayment fees or charges
  • Borrow over 1 to 24 months

Apply for a cash flow loan

Tailored solutions for your business cash flow

Cash flow is the fuel that keeps your business going. However, there are many reasons why cash flow can slow down or become inconsistent, ranging from seasonal sales fluctuations to late customer payments.

If your business is struggling with cash flow, an extra injection of funds could help your operations continue running smoothly. Yet traditional forms of finance with long loan terms and lengthy application processes often won't cut it. You need fast, flexible funding. And that's where our business cash flow loans come in.

Apply for a cash flow loan

How does a cash flow loan via mcl finance work

The application takes minutes and doesn't impact your credit score. We'll let you know the result almost immediately. And you could receive your cash flow loan within a few hours.

1. Apply for a business cash flow loan

Submit some basic information and we'll check your eligibility. Then we'll need some documents such as your photo ID, latest filed accounts and business bank statements for the last three months.

2. Get approval

A dedicated account manager will guide you through the full approval process. We'll decide on the best loan for you based on objective aspects of your business, such as payment history, disposable income and expected cash flow, and let you know as quickly as possible.

3. Receive your funds

If approved, you could get your cash flow loan to your business bank account in less than an hour from approval. From there, you're in full control.

Apply for a cash flow business loan

What can you use a cash flow loan for?

A cash flow loan through mcl finance is flexible, meaning you can use them for any purpose your business needs. We're not interested in dictating what you do with it, just in helping your business thrive even when cash flow is low.

But just in case you want a better idea, you could use a cash flow loan for:

  • Managing your cash flow fluctuations
  • Funding your plans for growth
  • Snatching up an attractive opportunity
  • Bridging a gap in your funding
  • Investing in new inventory or technology
  • Upgrading your marketing efforts

We've already helped small businesses like yours

We know how many things you need to think about as a small business owner. That's why we offer quick and simple cash flow loans, so you can tick one off your list without fuss. Here's how we've helped other business owners in the past:

"When Covid-19 kicked-in and the UK went into lockdown, so did access to loans. A broker referred me to mcl finance who were happy to offer financial assistance. mcl finance is superb and quick! A few clicks on your phone, signing e-docs, direct debit completion and the money is in your account the next day. I will definitely use this company again."


Lilly Jones, Director, Jones Real Estate Limited


"mcl finance was actually recommended to me by my bank manager. Obviously my bank had always backed me, but they just took so long to do it. Literally 24 hours after my application, I had the finance I needed. It was so fast, I’ve never known anything like it."


Charlotte Richards, Founder & Managing Director, Talismanico Ltd

Read more business stories

Apply for a cash flow loan today

The journey of running a business is full of ups and downs. We're here to help you out when the going gets tough, so you and your customers can continue to thrive.

Apply for a cash flow loan today and we can help you access the right loan for you. .Feel free to get in touch with our team if you have any questions. We'd be happy to help in any way we can. Alternatively, if you're ready, start your application straight away.

Apply for a cash flow business loan

Cash flow loan FAQs

Can I repay a cash flow loan early?

Yes, you can pay back your loan early. Plus, you won't be charged an early repayment fee. We only offer access to cash flow loans that are as flexible as possible so that we can genuinely help your business when it needs it the most.

Who can get a cash flow loan?

For you to be eligible for a cash flow loan through mcl finance, your business needs to:

• Be based in the UK

• Be a private or limited company

• Have a turnover of at least £15,000 per month

• Have been trading for at least 12 months

Can I get a cash flow loan if I've been rejected by a bank?

It's still worth applying through us if you've been rejected by a bank. Loans through mcl finance are looked at using different criteria, so we've been able to offer you access to cash flow loans to businesses that have been turned down elsewhere in the past.