Cash-flow Lending
The Cash-flow Lending Process
FAQs
Cash Flow Lending
Cash Flow lending is where a loan is made to a business usually that is supported by the company’s current and forecasted cash flow. One of the most common types of lending for this is invoice finance (once known as debtor finance).
Invoice Finance
Banks will lend against an invoice issued by your business and allow you to draw funds against your Invoice Finance limit up to a maximum value (usually 80% of the invoice).
The Bank or lender will then follow up with the debtor (who the invoice has been issued to) to collects the amount owed. Once the invoice has been paid in full the remaining 20% less any fees are then paid to the invoice issuing business.
This allows you to get paid quicker and have funds available quicker to use within the business. If your business has 30 to 60 day terms on your invoices, this can be a very simple way to bring cash flow back into your business.
Traditionally this type of lending is made used by small businesses who may not be able to obtain traditional term loan finance.
Other types of cash flow funding
Make a Cash Flow Finance Enquiry
The Cashflow Lending Process
Contact Us for best interest rates
Utilising our market knowledge and industry connections, we will endeavour to provide you with the best deals on the market.
Provide required documents
No need to panic, we'll guide you through the required documents.
We Apply for the Loan on
your behalf
We'll do the hard work so you can focus on what's most important.
property valuation
Your new lender might require a property valuation to determine the value of your property
Congrats! you just got cashflow lending
Simple as! Time to enjoy your new lending solution.
FAQs
Refinancing might seem like a daunting task, however the process is quite simple when using a broker like Red10 Finance. As experts that have access to lots of different lenders, whether you are looking for a better rate or better terms such as Interest Only we can make the whole process easy.
Refinancing a commercial property generally takes from 3-4 weeks, however this depends on the complexity of the loan and current lender turnaround times. The longest waiting time is usually for the valuation to be completed, however we look for approvals subject to valuations to save you money. At Red10 Finance we utilise our industry knowledge and connections to ensure the best possible chance of a fast turnaround.
Each commercial property is different and can have different uses and pros and cons for a lender. Most commercial lenders will allow up to a maximum of 70% against the value of the property, subject to affordability.