Cash flow funding for your business
Cash flow funding to keep your business running and growing, even during slow periods.
With Rise Funding, you can:
- Compare lenders, rates and fees
- Dedicated finance specialist assigned to you
- Funding in as little as 24 hours
Plug the gaps in your cash flow
Cash flow funding will help you plug the gaps in your business, and ensure that even with an unsteady cash flow, your business can continue to grow.
Cash flow funding with Rise Funding is quick, and we can provide funding within 24 hours.
The amount of money you’ll need and how long you’ll take to pay it back will depend on your business’s circumstances. That’s why we offer tailored quotes and access to a range of lenders. We also assign you a dedicated finance specialist to help sift through your options.
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Choose how much you want to borrow
£0.00
* this interest rate is a 'flat rate' and not an APR. 6.9% rate and longest term are based on the absolute lowest risk businesses and do not include any lender arrangement fees that may apply. This calculator is purely for illustrative purposes only. Rates, terms and amounts will vary depending on your businesses circumstances.
What types of businesses can benefit from cash flow funding?
We are open to all businesses at Rise Funding, but businesses with tight margins and deadlines often benefit the most from cash flow funding.
Here are some industries which most commonly use cash flow funding.
Construction
Construction projects are typically billed in stages, and payment terms are often 30 days or more (sometimes up to 90 days). Cash flow funding helps cover materials, subcontractor payments, and payroll while waiting for client payments.
Manufacturing
Manufacturers often need to purchase raw materials and maintain production schedules before receiving payment from customers. Cash flow funding helps smooth out fluctuations in working capital.
Wholesale
Businesses in the wholesale and distribution sector frequently purchase inventory in bulk and sell on extended credit terms. Cash flow funding bridges the gap between purchasing stock and receiving customer payments.
Retail & Ecommerce
Retailers and ecommerce businesses need to hold inventory, manage seasonal demand, and cover marketing costs, often before generating revenue. Cash flow funding can help with any stutters in your business and ensure that your store stays open.
Why would I need cash flow funding?
Cash flow funding provides working capital when your business expenses outpace incoming payments. It helps bridge the gap between money going out (e.g. wages, rent, suppliers) and money coming in (e.g. customer payments or invoices).
You might need cash flow funding for these reasons:
Late or extended customer payments
If your clients pay on 30, 60, or even in some cases, 90-day terms, cash flow funding gives you access to that money sooner, meaning that you can stay on top of expenses.
Seasonal revenue fluctuations
Industries such as hospitality, retail, or farming can experience uneven cash flow. Cash flow funding helps to smooth out the income stream during slower months.
Managing supply chain or material costs
In sectors like construction or manufacturing, upfront costs for materials can be significant, and combined with late payments, this can be a huge burden. Cash flow funding ensures you can purchase what you need without waiting for customer payments.
How to enquire about cash flow funding
with Rise Funding
Get a free instant quote
Use our free instant quote tool to get an immediate answer for how much you could borrow.
Approval within 24 hours
From a two-minute application, you could get the exact funding you need in as little as 24 hours.
Loan terms from 3 months to 6 years
We can find you loans that fit any scenario, from quick cash flow fixes to long-term projects.
Rates from
6.9%
Our rates make our loans manageable and ideal for any business.
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FAQs
The most frequently asked questions about cash flow funding.
Cash flow funding is a type of financing that helps businesses maintain a steady cash flow by providing funds based on their outstanding invoices or future receivables. This can include invoice factoring or lines of credit that allow businesses to access working capital quickly.
Some of the advantages of cash flow funding include improved cash flow management and quick access to funds, which can fix any cash flow problems you might be having.
Furthermore, in many cases, cash flow funding is secured by receivables, not by assets, which can make it easier to receive funding.
With any type of loan, there are risks, so always ensure that you take the appropriate due diligence.
With cash flow funding specifically, it can be more expensive than traditional loans because of fees and interest rates, especially in invoice factoring. Additionally, depending on the funding model, the business might lose control over the collection process of its receivables.
Cash flow funding will depend on the type of funding and the lender. Costs can include interest rates, service fees, and transaction charges. It’s important for businesses to carefully evaluate the terms before proceeding.
Cash flow funding is typically quicker to obtain than traditional loans. With Rise Funding, businesses can get funds within 24 hours, depending on the provider and the specific terms.
We’ll help you find the funding you need
This quote won’t affect your credit score
A dedicated finance specialist assigned to you
Funding in as little as 24 hours