Wedge

Apply
Now

What is a Cash Flow Loan?

Cash flow loans are designed to help business owners manage short-term needs and reduce the financial impact of a poor cash month. This is becoming to be an increasingly prevalent problem and according to a recent Xero Small Business Insights report, the average small business is in negative cash flow for 4.5 months per year in the UK. It’s vital to stay financially secure and manage any short-term cash needs.

Want to chat? Call us on: 0207 101 3880 or APPLY NOW

Advantages of a cash flow loan

One of the main benefits of cash flow loans for small businesses is that they’re fast and flexible. Furthermore, they often have more lenient credit requirements, so even if your credit score isn't perfect, you might still be eligible. Because they’re usually smaller and taken over a shorter period of time, they’re usually easier and quicker to access (subject to approval).


How to manage cash flow

Actively managing your business operations and processes is a great way to manage your cash flow. During procurement, curate good supplier relationships that can lead to better terms and deals. As your business develops, don’t be afraid to: experiment with changing your prices; audit your inventory and remove low-selling products, and review your list of clients to see if any late-paying culprits are impacting your cash flow.


Apply now to get funded, or call us on 0207 101 3880

What might you use a cash flow loan for?

Cash flow loans can be extremely versatile and can help you manage your day-to-day operations or even fund growth opportunities. Here are some common uses for cash flow loans:

Managing cash flow fluctuations: if your business has seasonal ups and downs, or you experience unexpected changes in revenue, a cash flow loan can help you cover expenses during those lean periods.

Covering payroll: sometimes, you might find yourself short on cash when it's time to pay your employees. A cash flow loan can help you cover payroll expenses and keep your team happy and motivated.


Purchasing inventory: if you need to stock up on inventory, especially for seasonal sales or to fulfill a large order, a cash flow loan can provide the funds you need to buy the products or materials without straining your budget.

Expanding or improving your business: a cash flow loan can give you the financial flexibility to invest in growth opportunities like opening a new location, launching a new product line, or upgrading your equipment.


Marketing and advertising: to attract new customers and boost your sales, you might need to invest in marketing and advertising campaigns. A cash flow loan can help you fund these initiatives without cutting into your operating budget.

Emergency expenses: sometimes, unexpected expenses pop up, like a broken piece of equipment or a sudden need for extra staff. A cash flow loan can help you cover these costs without derailing your budget.


APPLY NOW

90% of applications
are approved

What Happens Now?

Fast, simple application process

1.Apply online in minutes

2.Approval

3.Receive your funds within days

4.Watch your business grow

Borrow from £1’000 to £1 million

Flexible repayments

No security or collateral required


Application information:

We do not need to carry out a credit check for you to receive your provisional quote. Once your application has been approved in principle and you have confirmed that you wish to proceed, a ‘soft search’ will be then be completed in line with responsible lending regulations. The search is not visible on your credit score. Also, you do not need to provide any security or collateral and we don’t even need to see any form of business plan. That’s why our unsecured business finance facility is flexible and fuss free!

Apply now for your unsecured business loan

Want to chat? Call us on: 0207 101 3880

Unsecured Loans

Working Capital

Cash Flow

Revenue Based

Start Ups

Apply Now


We connect business to business by working in collaboration with our clients and partners.

Wedge.co.uk has been helping businesses since 1998 and is now part of the Alliance Business Group Ltd.

2nd Floor, 17 King Edwards Road, London, HA4 7AE 0207 101 3880

 

We adhere strictly to data protection laws and look after your details carefully. This policy describes how we collect, use and look after the information you provide us when you enquire about and use our services.

This policy may change from time to time as our processes change over time, which will be reflected in this document.

The information we collect includes:

1. Any details you knowingly provide us with.

2. Your marketing preferences.

3. Your IP address, browser type and browsing activity whilst on our website. Your IP address is a string of numbers unique to your computer that is recorded by our web server when you request any page or component on the website.

4. We may also store information about you using cookies (files which are sent by us to your computer or other access device) which we can access when you visit our site in future. We do this to recognise you and your preferred settings, and it saves you from re-entering information on return visits to the site. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. Information on deleting or controlling cookies is available at the About Cookies website.

We supplement the information we collect from you with publicly available information from 3rd parties to assist with providing services to you. Any personal information we collect about you will be used in accordance with the data protection laws.

The details we collect will be used:

1. To process your enquiry and to provide future services.

2. To keep you up to date with the latest information. You can opt-out at any point.

3. To personalise content on our website.

4. To carry out market research.

5. For the collection of case studies about our customers.

6. To tailor our services better to your needs.

How we use your data Lawful basis

To provide you with the services you have requested.

To manage our relationship with you. This is in our legitimate interest of keeping you informed of our available products and services and keeping our records up to date and is necessary to comply with the legal and regulatory requirements that apply to us.

To provide you with information about our products and services This is in our legitimate interest of keeping you informed of our available products and services. You may opt-out at any time.

To provide you with a recommendation for any other products and services that may be relevant to your own requirements, it may be necessary for us to pass on your details to our partner companies. (only after receiving your specific approval)

We may be able to further offer you products and services. This is in our legitimate interest to ensure that the documentation remains appropriate for your needs. To run our business in an efficient and proper way. This includes managing our financial position, business capability, planning communications, corporate governance. This is in our legitimate interest to fulfill our legal and contractual duties efficiently.

Disclosing your information

Here’s when we disclose information about you:

To search the files of external data bureaus in order to verify your identity and contact information. When we (or any 3rd party acting on our behalf) are legally compelled to or have a duty to the public to disclose.

Any personal data you provide to us during the course of an enquiry where you have not specified that you do not wish to be contacted in future will be retained and processed in order that we can keep you up to date with our services.

If you notify us that you do not wish to be contacted (either at the point of enquiry or subsequently) Where you have provided consent for us to process your data, you have the right to withdraw the consent. If you believe that we are not processing your information correctly you should contact our Data Protection Officer.

We are committed to protecting the confidentiality and security of your information. As such any information collected via our website is encrypted and delivered to us through a secure environment and protected using robust security methods. We maintain a comprehensive information security management system which ensures industry standard technical and administrative controls are in place for the protection of customer data.

Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private or unaltered during Internet transmission. For this reason we will not include any of your personal information by email without your prior permission, but will usually respond to your enquiries by telephone or post. If you have any such concerns, you may prefer to telephone or write to us instead.

We accept no liability for any damages you or others may suffer as a result of the alteration or loss of confidentiality of any such information.

We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and a denial of service attack.

This privacy policy only covers this website. Any other websites which may be linked to by our website are subject to their own policy, which may differ from ours. Reproduction of the pages of this website in whole or in part without our prior written consent is strictly prohibited unless carried out for private, non-commercial viewing purposes.

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period.

We may also have to suspend access to the website for routine or emergency updates and maintenance, but we will endeavor to keep any disruption to a minimum. In ad

This website may contain links to websites operated by third parties.

The responsibility for the operation, content and cookie policies of those websites rests solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions.

Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links.

We accept no responsibility or liability for the contents of any linked website.

© Wedge