Just Cash Flow PLC, trading as Just Cashflow, was established in 2013 as an alternative commercial lender targeting UK SMEs. The firm offers revolving credit, short-term loans, and specialist working capital facilities. It is regulated by the Financial Conduct Authority for consumer credit activities and uses a digital-first approach with open banking for underwriting. These features may appeal to established businesses seeking flexible and rapid working capital options. Consider reviewing our financing options overview and lender reviews for further context.
Key Features of Just Cashflow
Just Cashflow incorporates several practical tools and service elements to streamline lending and support. Their digital processes and account access appeal especially to tech-savvy businesses.
- Digital application portal with open-banking data feeds ease documentation requirements.
- The BusinessPlus Mastercard facilitates instant drawdown and helps track expenses.
- 24/7 online account management offers real-time balance visibility and notification controls.
- Integration with popular accounting packages like Xero and QuickBooks supports financial oversight.
- A partner introducer programme is available for accountants and brokers.
Funding Eligibility
You may qualify for Just Cashflow's products if your business has at least 12 months of trading history and a turnover of £250,000 or more, especially for higher-limit facilities. The company caters to UK-registered limited companies and LLPs, excluding certain sectors. For detailed guidance, see our business loan eligibility guide and tools like the business loan calculator.
Loan Options
Just Cashflow provides a range of commercial finance options tailored for various short to medium-term business needs. The products include revolving credit, term loans, property bridging, and supplier finance facilities.
- Revolving Credit Facility (RCF): Ranges from £10,000 to £2,000,000 with terms of 6 months to 3 years, renewable annually. Interest rates are approximately 9.5% to 18% per annum with arrangement and renewal fees of 2% to 3%. Features flexible drawdown and no early settlement fees but requires personal guarantees and often debentures for limits above £50,000.
- Business Accelerator Term Loan: £25,000 to £500,000 over 3 to 36 months. Representative APR ranges from 8% to 24%. Early repayment is allowed with no penalty. Personal guarantees required, unsecured under £250,000, with arrangement fees of 2%.
- Property Bridging Loan: £100,000 to £1,000,000, with short 3 to 12 months interest-only terms. Interest rates range from 0.90% to 1.25% monthly. Requires property security and has arrangement and exit fees of 2% and 1% respectively.
- Supplier / Trade Finance Facility: £10,000 to £500,000 per transaction, terms of 30 to 120 days. Interest rates vary from 0.75% to 1.50% per 30 days with arrangement and utilisation fees. Personal guarantees and debentures typically required.
How to Apply
Applying for finance with Just Cashflow largely involves a digital process supported by telephone or email communications. Approval is typically quick, with indicative decisions within 24 to 48 hours after full document submission.
- Submit your application online via the digital portal providing necessary business details and financial documentation. Visit our application form page for guidance.
- Provide required documents including latest filed accounts, 6 months’ bank statements, management accounts, and director identification.
- Review and negotiate terms with dedicated relationship managers who assist through underwriting and final approval.
- Sign contracts and security documents electronically to access funds, often on the same day for revolving credit.
Funding Agent’s View
Just Cashflow offers flexible, digitally accessible funding products suited to established UK SMEs with a clear trading history and ability to provide personal guarantees. Their revolving credit facility stands out for size and usability but comes with higher costs and security requirements than traditional bank lending. Early-stage or micro-businesses may find their criteria restrictive. For tailored funding advice, compare lenders and check eligibility using our loan calculator and eligibility guide.
