Business Cash Flow Loans, Lending & Financing
Cash flow is critical for businesses. Companies need cash to cover things like payroll, purchase inventory, pay invoices, and cover normal operational expenses. Business cash flows loans help companies when they need it the most.
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What are Business Cash Flow Loans?
Cash flow loans are a type of lending product that's not backed by collateral, but is instead determined by past and future cash flow projections. Because you're not using any tangible items for collateral, some lending companies will give approvals within a matter of hours.
Use Cases
How To Use a Cash Flow Loan
Businesses find a cash flow lender for many different reasons. These loans have flexible options that allow companies to get through slow seasons and gear up for busy times as well. Here are some of the ways to use a cash flow loan.
Learn Why Us-
Grow Your Business
Cash flow is essential to grow a business. With cash flow loans for small business needs, even startups can get the capital necessary to hire staff, pay for marketing, and expand operations.
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Cover Expenses
Ever wonder how businesses pay for more inventory and cover the costs of running a business? A cash flow loan can help.
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Hire Employees
Get people working in your business, so you can work on the important task of growing and leading. A cash flow loan gives you the resources you need to hire employees.
Why Apply for a Business Cash Flow Loan?
Manage Peak Periods & Seasonal Slowdowns
Every business has a natural ebb and flow to income but has year-round expenses to cover. Getting small business cash flow loans helps you better navigate seasonal changes.
The Opportunity to Buy Inventory
When you need more inventory to get ready for the busy season or you want to add new products, a cash flow loan is the perfect choice to help you buy inventory.
Make Sure the Necessary Tools Are Paid For
Business tools can range from technology to the things needed for an HVAC business. Cash flow loans ensure these essential tools care paid for.
Minimum Eligibility Requirements for Cash Flow Lending
Getting business loans based on cash flow requires a few things. You’ll need to prove your time in business and your past revenue. Here’s what to expect.
| Time in Business | Minimum 6 Months |
|---|---|
| Business Annual Growth Revenue | $240K+ Annual Revenue |
| Business Checking Account | Yes |
| US Citizen/Based Company | Yes |
| FICO Score | 570+ |
| Other Financing | None |
| Bankruptcies | None open |
Better Your Business With Fora Financial’s Business Cash Flow Loans
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Expand or Improve Business Location
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Purchase or Repair Equipment
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Hire Skilled Workers
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Invest in Updates
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Buy Inventory
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Manage Expenses
Case Studies
Powering Growth in Electricity
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Funding Amount: $775,000
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Industry: Commercial & Residential Electric
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Use of Funds: Personnel and Equipment Upgrades
Featured Funding
Bridge Funding
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Funding Amount: $2,000,000
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Industry: Construction
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Use of Funds: Bridge funding
Technology and Data Services
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Funding Amount: $700,000
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Approval Amount: $1.1 Million
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Industry: Technology / Data Services
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Use of Funds: Cash Flow Liquidity
Communications Expansion
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Funding Amount: $1 Million
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Approval Amount: $1.2 Million
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Industry: Telecommunications
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Use of Funds: Expansion
Featured Funding
Stabilizing Growth
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Initial Funding Amount: $750,000
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Add-on Opportunity: $450,000
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Industry: Manufacturing
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Use of Funds: Financial Stability, Growth
Automation Growth
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Funding Amount: $300,000
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Approval Amount: $450,000
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Industry: Manufacturing / Automation
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Use of Funds: Working capital
Featured Funding
National Food and Beverage Franchise Network
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Funding Amount: $1.4 million
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Industry: Food and Beverage Franchise
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Use of Funds: Expansion and Renovation
Organic Growth
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Funding Amount: $750,000
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Approval Amount: $1,400,000
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Industry: Organic Food Grower
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Use of Funds: Cash Liquidity
FAQs About Business Cash Flow Loans & Lending
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Because cash flow loans are not backed by collateral, lenders need to be sure you have the cash flow to warrant a loan. It protects them and their interests.
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Cash flow loans are not secured. Lenders instead rely on your business's revenue and cash flow history to make a lending determination.
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A cash flow loan is an unsecured loan whereas an asset based loan is a type of secured loan. Secured loans use company assets to back the amount of the loan.
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A cash flow loan can be a line of credit that businesses can borrow against to help cover cash flow deficits during slow times. For instance, in retail, the holidays are the busiest times of the year, however, stores need the cash flow to purchase inventory and pay workers before the big sales come during the holidays.
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It depends on your lender and the complexity of your application. In many cases, lenders can approve applications within hours. Typically, cash flow loan funds can be deposited within 24 to 72 hours.
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Most lenders perform a soft credit check during the pre-qualification process, which does not impact your credit score. However, a hard credit check may be conducted when finalizing business cash flow loans, which could have a temporary effect.
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Yes, but most cash flow lending requires a minimum of six months in business and proof of consistent revenue. Startups with strong projected cash flow and a solid business plan may have better chances of approval.
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If you miss payments, you can expect to receive late fees or increased interest rates. Depending on the lender and how far arrears you are in payments, legal action can be taken against you for failure to pay. It’s best to contact your lender as soon as possible if you anticipate difficulties repaying your loan to explore alternative repayment options.
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Cash flow loans offer faster approvals and fewer collateral requirements than traditional bank loans. This makes a cash flow loan option ideal for businesses needing quick access to funds. However, they may come with higher interest rates.
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It depends on the lender. Some require a personal guarantee, which is when you are sworn to be personally responsible for repayment if the business is unable to pay. Review your cash flow loan terms carefully and talk to your lender if a personal guarantee is required.
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Yes, some businesses use cash flow loans to consolidate or refinance existing high-interest debt, which can improve cash flow and lower monthly payments.
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A cash flow lender assesses factors like your company’s revenue, cash flow history, credit score, and overall financial health to determine how much you can borrow.
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Some cash flow loans for small business owners may have restrictions on high-risk industries such as gambling, adult entertainment, or businesses with unstable revenue. Check with your lender to confirm eligibility.
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Many lenders allow early repayment without penalties, but some may charge prepayment fees. To be sure, check your small business cash flow loan terms or ask a lending professional before signing.
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