How do I get started?

Just Cashflow provides an innovative flexible funding solution for UK businesses. We look at the profile of a business and the business Directors or Partners and provide the Facility based on its business activities. This gives business owners the immediate influx of capital they need without making a long-term commitment.

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

Yes, you can, we welcome applications from these business types.

What does it cost?

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 this.

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There may be a monthly management fee applied to the Facility. This fee would be collected against the Facility on a monthly basis.

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 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 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 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 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.

This is not a business loan and does not have a fixed monthly repayment amount. Payments can be made 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. This action will also be taken if the monthly account maintenance fee falls into arrears.

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.

How do I apply?

Applicants must be over 18 years of age, be a Sole Trader, Director or Partner, be 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 A flexible funding solution without undue financial stress.

Our Customer Account Managers will review all cash flow projections and management accounts. They will then contact you to further discuss your application and advise you of the lending decision 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 sold on to any third parties without your consent.

Yes.

We carry out a credit check on the business, the Directors of LTD companies, partners of LLPs and 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 at 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 LTD company and the business owner 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 prevent any build up of debt.

What security do you ask for?

If a LTD or LLP Company Just Cashflow will lodge a debenture against the business, irrespective of any prior debentures listed. This is good business practice for all parties concerned.

Directors or Partners may be required to provide additional security subject to application status. Any such security will be detailed within the Facility letter and will be binding in accordance with the Facility signing instructions.

As per the guarantee, if the business fails to uphold its side of the agreement, each Director or Partner will be expected to pay any outstanding commitments. They will, however, not be liable for more than the business would have paid.

What are the Just Cashflow tools?

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

Are you going to send me spam?

No. We will only email you when we need to and we don't like spam ourselves.

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 48 hours. If your complaint is particularly complex, it may take longer to investigate.

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