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Just Cashflow Reviews

Just Cashflow provides flexible financial solutions tailored to improve business cash flow, supported by positive customer reviews highlighting reliability and responsiveness.

Here are the Trustpilot Reviews from Just Cashflow:

Here are the Reviews from Just Cashflow:

JCF is a highly professional company that takes the time to learn about your business and its requirements The team are excellent and highly customer focussed.

Tony Kirton

Having had numerous interactions with the Just Cashflow team and they are always friendly and helpful, and I must say their Revolving Credit Facility (RCF) is fantastic.

MartinSherv

The JCF people just do what they say. They offered me a revolving credit facility with very little fuss. I felt like they trusted me, and that's a good feeling in a sometimes cold marketplace. A lot of lenders use algorithms to decide who to lend to, and it doesn't feel human. JCF were more flexible and helpful than my own bank of 35 years. Highly recommend.

Craig from London

I have experience in driving and sport and everything

Daniel Apan

Good welcome to jordan welcome 123456789

Rafet J

We have found the revolving credit facility to work very well with our business. It has enabled us to focus on what we need to do which is install renewables with less stress and worry about getting the funds we need at the time we need them

Rob tratt

Explore Just Cashflow's Finance Solutions:

Revolving Credit Facility (Business Overdraft-Style)

£10,000 – £500,000

Business Cash Advance (Merchant Cash Advance)

£2,500 – £300,000

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Explore Just Cashflow's Finance Solutions:

Loan Type:

Revolving Credit Facility (Business Overdraft-Style)

Loan Range:

£10,000 – £500,000

Loan Terms:

Initial 12-month facility, renewable annually (can be used indefinitely if renewed)

Minimum Turnover and Trading Age:

Minimum 1 year trading and typically £250,000+ annual turnover

Interest Rate:

0.79% – 1.99% per month (approximately 9.5% – 23.9% APR equivalent)

Fees:

3% arrangement fee on credit limit; 2.5% renewal fee each 12 months; £250 legal/doc fee; no early-repayment charge

Loan Type:

Business Cash Advance (Merchant Cash Advance)

Loan Range:

£2,500 – £300,000

Loan Terms:

Typically 6 – 12 months (repaid automatically as % of card takings)

Minimum Turnover and Trading Age:

Accepts card payments of at least £5,000 per month for 6+ months

Interest Rate:

Factor fee equivalent 1.09 – 1.30 (no stated APR, fixed cost agreed up-front)

Fees:

No separate arrangement or early-repayment fee – fixed factor fee covers cost

Loan Type:

Business Growth Loan (Short–Term Term Loan)

Loan Range:

£10,000 – £250,000

Loan Terms:

3 – 24 months (fixed instalments)

Minimum Turnover and Trading Age:

Minimum 2 years trading and £150,000 annual turnover

Interest Rate:

1.20% – 2.50% per month (representative 14% – 30% APR)

Fees:

2% arrangement fee; no early-repayment penalty but interest payable to settlement date

Loan Type:

BusinessPlus Mastercard Credit Line

Loan Range:

Credit limit £2,000 – £25,000 (separate or in addition to main facility)

Loan Terms:

Revolving with minimum monthly repayment (no fixed end date)

Minimum Turnover and Trading Age:

6+ months trading and positive credit history

Interest Rate:

23.9% – 39.9% APR variable on outstanding balance

Fees:

No annual card fee; 3% cash withdrawal fee; late payment fees £12

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More About Just Cashflow

Just Cashflow PLC, established in 2012, is a UK-based alternative lender offering short-term working-capital finance tailored to established SMEs. Regulated by the Financial Conduct Authority (FRN 727430), it specialises in revolving credit, cash-flow-driven lending, and working capital products supported by open-banking technology. This lender may suit businesses requiring flexible credit options or fast funding, especially those declined by traditional banks due to sector or risk profiles. For a broad view of funding choices, see alternative finance loans and compare bank loans vs alternative lenders.

Key Features of Just Cashflow PLC

The lender blends technology with dedicated service to provide flexible financing. Its features work well for SMEs seeking control and speed in managing cash flow.

Online application with open-banking and accounting software integration improves ease of access; learn more about alternative finance loans.
Dedicated relationship managers provide personalised support throughout the loan period; explore different financing options.
Business Mastercard linked to revolving credit offers instant access to approved funds; see options for business credit cards.

Funding Eligibility Requirements

Eligibility centres on trading history and financial performance, with sector and business structure restrictions. You may qualify if you meet these common criteria.

At least 12 months of trading for revolving credit or cash advance products, with 24 months needed for term loans; review how to qualify for a business loan in the UK.
Minimum annual turnover varies by product, generally from £150,000 to £250,000; check working capital loan requirements.
Personal guarantees from directors or shareholders owning 20%+ are usually required; understand personal guarantee requirements.

Loan Options Available at Just Cashflow PLC

The lender provides several short-term financing products tailored to cash flow management and project funding needs.

Business Cash Advance (Merchant Cash Advance): £2,500 to £300,000, 6 to 12 months term with repayments automatically deducted as a percentage of card takings. Factor fee equivalent ranges from 1.09 to 1.30. This unsecured product suits businesses with consistent card payments. More on merchant cash advance.
Revolving Credit Facility (Business Overdraft-Style): £10,000 to £500,000 limit, initial 12-month term renewable annually. Interest charged at 0.79% to 1.99% per month, with fees including a 3% arrangement fee and 2.5% renewal fee. Interest is payable only on drawn amounts. Learn about revolving credit loans.
Business Growth Loan (Short-Term Term Loan): £10,000 to £250,000, fixed instalments over 3 to 24 months. Monthly interest rates from 1.20% to 2.50%, with a 2% arrangement fee. Suitable for growth projects or asset purchases. Find details on short-term business loans.

How to Apply for Funding

Applications are fully online and designed for quick decisions, with a detailed document checklist to meet regulatory and lender requirements.

Submit applications through a digital portal or commercial finance brokers; start with the request funding form.
Provide required documents including filed accounts, bank statements via open banking, ID and proof of address; see documents needed in loan application process.
Expect indicative decisions within hours and full approvals in 24 to 48 hours; understand the typical loan approval timeline.
Once approved, funding may be available the same day subject to cut-off times; explore same day funding.

Funding Agent's view on Just Cashflow PLC

Just Cashflow targets established UK SMEs needing swift working-capital finance within a technology-driven framework. Its revolving facility, cash advance, and term loans are suitable for businesses with fluctuating cash flow or specific investment needs. While personal guarantees and higher costs compared to banks limit its appeal for some, the flexibility and speed make it an option worth considering. For comparison and eligibility tools, visit tools, check your standing through our eligibility guide, and see available business loans.