How do I get started?

Just Cashflow provides an innovative range of funding solutions for UK businesses. We look at the profile of a business, the Directors, Partners or business owner then provide the Facility based on its business activities. This gives business owners the immediate influx of capital they need.

You can apply via our secure form or just call 0121 418 1138

Yes, you can. We welcome applications from these types of business subject to the application for certain statutory exemptions applicable to loans to individuals.

How do I apply?

Applicants must be over 18 years of age, be a Sole Trader, Director or Partner of a limited company or LLP respectively, UK residents, and the designated parties must have online access to the main business current bank account. We may ask, if available, for management accounts, cash flow forecasts and filed accounts for the business. In essence, the more information the better.

For LTD companies the business needs to have been incorporated in the UK and all businesses will have sufficient revenue income to cover interest repayments.

Finally, we carry out a credit check on the business as part of our sophisticated underwriting system. Just Cashflow is only interested in lending to businesses that we believe can afford a flexible funding solution without undue financial stress.

Our Customer Account Managers will review all cash flow projections, management accounts and other relevant information provided. They will then contact you to further discuss your application and advise you of the lending decision process. In the interests of speed all document are issued by e sign process.

Applicants will receive an e-mail within a few days stating whether they were successful or not. If approved, the requested funds will then be released.

A decision will be made on average within 3 working days, subject to information provided.

The speed of receiving funds depends on how quickly we receive the application and supporting information. The quicker we receive this, the quicker the process will be.

All data is maintained within a secure environment and protected in accordance within ICO guidelines . Our ICO registration number is ZA008775.

The data may also be shared with other companies associated with Just Cashflow, but will not be shared with other third parties without your consent.

Yes.

We carry out a credit check on the business, the Directors of LTD companies, partners of LLPs or the business owners of Sole Trading Enterprises as part of our decision making process. These checks are only undertaken once we have received approval from all parties concerned.

We have partnered with Equifax , the most advanced reference checking system in the UK. The business should not worry about its credit history. We are traditional lenders who look at the long term sustainability of a business venture.

At Just Cashflow, we look beyond the immediate financial future of the business. The business credit score is just one of the decision factors we use. We also believe in honesty and trust.

Just Cashflow is here to help, but we need applicants to help us by providing as much accurate information as possible.

We will conduct regular appraisals of the business, Directors of a Limited company and the business owners of Sole Trading Enterprises, credit rating with our partner, Equifax.

This will be used to provide guidance and support to the business. It will also help to identify any debt issues within the business.

General Questions

Our APR and Representative APR is explained here

The Facility is provided at a range of 0.05% - 0.4% daily interest rate on the outstanding balance subject to application status and security provided. The interest is collected weekly in arrears.

This is not a business loan and should not be viewed as such.

The Facility is subject to an arrangement fee. This only applies to successful applications. The fee structure is agreed at the outset and clearly explained in the offer letter. The fee is payable on first draw down of the Facility.

There is also a daily charge of interest of between 0.05% - 0.4% calculated on the outstanding balance where the rate is subject to application status and security provided.

This is a Just Cash Flow PLC Revolving Credit Facility which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.

This is not a 'loan' account and does not have a fixed repayment agreement. The facility is provided for a fixed term and is repayable on demand during this period subject to the Facility Terms and Conditions.

The Just Cash Flow PLC Revolving Credit Facility will accrue interest which is applied to the servicing account and is payable weekly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details of interest payments.

This is a Just Cash Flow PLC Revolving Credit Facility which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.

This is not a 'loan' account and does not have a fixed repayment agreement. The facility is provided for a fixed term and is repayable on demand during this period subject to the Facility Terms and Conditions.

The Just Cash Flow PLC Revolving Credit Facility will accrue interest which is applied to the servicing account and is payable weekly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details of interest payments.

Payments towards reducing the outstanding balance on the Facility can be made at any time to the account without any penalty. As the Facility is revolving, the agreed credit limit will not be affected.

Failure to repay the interest instalment on time will result in the Facility being suspended.

Just Cashflow will make every effort to understand why this has happened. We will also work with the business to resolve the situation, to the mutual benefit of all parties. However, if we are unable to reach a mutually satisfactory arrangement and can't recover the money over a reasonable period, the account may be passed to an external partner. Our external partner will attempt to recover the funds from the business and from any personal guarantors.

Continued failure to discuss the arrears means credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by Credit Reference Agencies and Fraud Protection Agencies to perform similar checks and recover debts that are owed. Records will be kept for a period of 6 years, in accordance with current regulatory requirements, whether closed, settled or defaulted.

You can access myCFP here or from the link in the footer.

Do not hesitate to contact a member of our dedicated support staff on 0141 301 1022

We are here to help and office hours are Monday through Friday from 9.00am – 5.00pm. We can also be contacted on Customer Care or alternatively go to myCFP where you can request a draw down of funds from your Revolving Credit Facility.

We are currently working on a customer self service portal and hope to have this available soon. In the meantime, for all account enquiries please contact the office on 0141 301 1022 where the team will be happy to answer any questions.

Please note that we will issue you with a weekly notification email which contains your current balance, details of your interest charge and also your current Revolving Credit Facility borrowing limit. We ask that you make payment of the weekly interest every Wednesday.

We would be happy to set up a Direct Debit to take the worry out of remembering to pay the weekly interest or alternatively you can make the payment by bank transfer using the account details in your weekly notification email.

We also offer you the ability to contact the office and make a card payment if that would be more convenient for you.

To pay down your balance then please use the bank transfer.

Any of the above solutions can be used.

Contact one of the dedicated underwriting directors on 0141 301 1022

You can also mail us on Customer Care

Alternatively go to myCFP where you can request a draw down of funds from your Revolving Credit Facility..

Business Builder

It is an alternative to a traditional bank business loan.

Facilities are available from £10K to £1M with a fixed interest rate of 1.95% pcm (subject to status and security provided) charged on a monthly basis and a maximum 12 month term.

There are a number of factors which can affect the rate, such as status and the potential for payment holidays. a clear figure will be given once an application has been made.

However, an indication would be for a £10K 36 month term straight-line repayment would return a representative APR of 24.909% and a £10K 60 month term straight-line repayment would return a representative APR of 24.399%

The BusinessnBuilder Loan is provided at a monthly interest rate on the outstanding loan balance subject to application status and security provided. The interest is collected monthly in arrears.

This is a business loan and should be viewed as such.

The Business Builder is subject to an arrangement fee. This only applies to successful applications. The fee structure is agreed at the outset and clearly explained in the offer letter.

Yes. This is a Just Cash Flow PLC Business Builder Loan which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.

This is a 'loan' account and does have a repayment agreement. The facility is provided for a fixed period and is repayable on demand during this period subject to the Facility Terms and Conditions.

The Just Cash Flow PLC Business Builder Loan has a fixed interest rate and Capital & Interest are payable monthly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details.

Yes. This is a Just Cash Flow PLC BusinessBuilder Loan which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.

This is a 'loan' account and does have a repayment agreement. The facility is provided for a fixed period and is repayable on demand during this period subject to the Facility Terms and Conditions.

The Just Cash Flow PLC BusinessBuilder Loan has a fixed interest rate and Interest and Capital are payable monthly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details.

No save for the VAT loan which is specific. Otherwise early repayments can be made to the account at any time without any penalty.

Payments towards reducing the outstanding balance on the Facility can be made at any time.

This is a business loan and does have a fixed monthly repayment amount. Payments can be made to the account without any penalty. As the Facility is fixed, the agreed credit limit will not be affected

Failure to repay the interest instalment and capital repayment on time will result in the Facility being suspended.

Just Cashflow will make every effort to understand why this has happened. We will also work with the business to resolve the situation, to the mutual benefit of all parties.

However, if we are unable to reach a mutually satisfactory arrangement and can't recover the money over a reasonable period, the account may be passed to an external partner. Our external partner will attempt to recover the funds from the business and from any personal guarantors.

Continued failure to discuss the arrears means credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by Credit Reference Agencies and Fraud Protection Agencies to perform similar checks and recover debts that are owed. Records will be kept for a period of 6 years, in accordance with current regulatory requirements, whether closed, settled or defaulted.

We are currently working on a customer self service portal and hope to have this available soon. In the meantime, for all account enquiries please contact the office on 0141 301 1022 where the team will be happy to answer any questions.

Please note that we will issue you with a notification email which contains your current balance.

We would be happy to set up a Direct Debit to take the worry out of remembering to pay the montly interest and capital repayment.

To pay down your balance then please use the bank transfer.

Contact one of the dedicated underwriting directors on 0141 301 1022

You can also mail us on Customer Care

Portfolio Builder

A 12 month funding solution for property professionals giving them access to funding to support the growth and development of their portfolio.

The facility is over a 12 month term with an option to renew subject to status.

Up to 80% Loan to Value based on the most recent valuation or purchase price when taking into consideration prior mortgages.

Daily interest rates from 0.041% which is equivalent to 1.25% per month.

Latest Year End Accounts / Management Information.
Last 6 months bank statements.
Confirmation of current HMRC liabilities.
Details of the Property Portfolio / Rental Income Stream (if applicable).
Property Investment experience is essential and CV’s may be required.
Details of the security to be offered with be required, including the latest valuations.

Daily or monthly.

Security in the forms of:
1st / 2nd Charge(s).
Director PGs.
Cross Corporate Guarantees may be required.

VAT Loan

A loan solution from £10k upwards helping you pay your current VAT bill on time.

No. The loan you are applying for is for your immediate VAT liability. We will review your application based on the information you supply to us.

The VAT loan is for 3 months. You can agree to make weekly or monthly repayments.

The loan with be paid to HMRC direct on your behalf. You will need to supply us with your Unique Taxpayer Reference (UTR) number

You will need to inform us of this arrangement and its status as part of your application. If there is a history of time to pay arrangements, it will have an influence on the decision of your application.

You will be required to make repayments via Direct Debit. These payments will be either weekly or monthly dependent upon your choice and dependent upon the cashflow cycle of the business.

You will need to provide the following:

Up to date HMRC information.

Last 3 months bank statements.

Latest unabbreviated annual accounts.

Aged Debtors and Creditors list.

Interest is charged monthly from 1.5%

Payments towards reducing the outstanding balance on the Facility can be made at any time.

This is a business loan and does have a fixed monthly repayment amount. As the Facility is fixed, the agreed credit limit will not be affected

Failure to repay the interest instalment and capital repayment on time will result in the Facility being suspended.

Just Cashflow will make every effort to understand why this has happened. We will also work with the business to resolve the situation, to the mutual benefit of all parties.

However, if we are unable to reach a mutually satisfactory arrangement and can't recover the money over a reasonable period, the account may be passed to an external partner. Our external partner will attempt to recover the funds from the business and from any personal guarantors.

Continued failure to discuss the arrears means credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by Credit Reference Agencies and Fraud Protection Agencies to perform similar checks and recover debts that are owed. Records will be kept for a period of 6 years, in accordance with current regulatory requirements, whether closed, settled or defaulted.

Do not hesitate to contact a member of our dedicated support staff on 0141 301 1022

You can also mail us on Customer Care

We are here to help and office hours are Monday through Friday from 9.00am – 5.00pm.

We are currently working on a customer self service portal and hope to have this available soon. In the meantime, for all account enquiries please contact the office on 0141 301 1022 where the team will be happy to answer any questions.

Contact one of the dedicated underwriting directors on 0141 301 1022

You can also mail us on Customer Care

VAT on Purchase Loan

Purchases of commercial property and major plant and machinery are subject to VAT.

A loan solution from £10k upwards which allows you to pay your VAT element on your purchase and give you the time to reclaim the VAT from HMRC.

The loan term is a maximum of 6 months

Latest annual accounts inc P&L and Balance sheet.
3 months bank statements.
Up to date HMRC information.
Aged Debtors and Creditors.
Heads of Terms.
Solicitors contact details.
Details of other lenders.
Confirmation of purchase price and VAT payable.

Payments can be made weekly or monthly depending upon which you chose and are via Direct Debit.

Yes you choose the frequency of the repayments.

Interest is charged Daily from 0.075% on an unsecured basis and 0.05% on secured. Subject to status

Yes you can repay the loan at anytime within the 6 month term (minimum 3 months interest charge).

Failure to repay the interest instalment and capital repayment on time will result in the Facility being suspended.

Just Cashflow will make every effort to understand why this has happened. We will also work with the business to resolve the situation, to the mutual benefit of all parties.

However, if we are unable to reach a mutually satisfactory arrangement and can't recover the money over a reasonable period, the account may be passed to an external partner. Our external partner will attempt to recover the funds from the business and from any personal guarantors.

Continued failure to discuss the arrears means credit reference agencies will record the outstanding debt. This information may be supplied to other organisations by Credit Reference Agencies and Fraud Protection Agencies to perform similar checks and recover debts that are owed. Records will be kept for a period of 6 years, in accordance with current regulatory requirements, whether closed, settled or defaulted.

Do not hesitate to contact a member of our dedicated support staff on 0141 301 1022

You can also mail us on Customer Care

We are here to help and office hours are Monday through Friday from 9.00am – 5.00pm.

We are currently working on a customer self service portal and hope to have this available soon. In the meantime, for all account enquiries please contact the office on 0141 301 1022 where the team will be happy to answer any questions.

Contact one of the dedicated underwriting directors on 0141 301 1022

You can also mail us on Customer Care

Are you going to send me spam?

An e-mail provider may mistake our confirmation e-mail for spam. Check the spam or junk folder. If it's there, be sure to add that e-mail address to the address book.

Weekly reminders are sent from Just Cashflow so the business remembers to fill in its weekly Cash Flow Position. By signing up to the Facility, the business agrees to receive weekly updates from us.

I have an issue with Just Cashflow.

We pride ourselves on outstanding customer service. So if, for any reason, the business is unhappy with this service, please tell us.

We hope it never comes to this, but if the business is still unhappy after discussing the matter with us, a complaint can be made to Customer Care and any complaint will be dealt with within 4 working days. If your complaint is particularly complex, it may take longer to investigate.

If you feel we have mishandled your data, please contact the ICO .