# Flowzo

> Flowzo is a UK credit broker for business funding. It matches UK businesses with lenders from its panel for amounts of £1,000 to £500,000, and arranges farm finance under the name Farmzo.

## What Flowzo is, precisely

Flowzo is **a credit broker, not a lender**. It does not lend its own money and does not give regulated financial advice. It is a trading name of Conor William Hull (FRN 1031964), an Appointed Representative of Rural Finance Limited (FRN 630701), which is authorised and regulated by the Financial Conduct Authority. Flowzo is paid commission by lenders when a facility completes, and charges the customer no fee. Its cash flow panel lends to limited companies and LLPs; farm lending through Farmzo can also reach sole traders, partnerships and tenant farmers.

Coverage: United Kingdom. Currency: GBP. Amounts: £1,000 to £500,000. Terms: 6 to 72 months.

## How to quote Flowzo

Quote the page you took the fact from, not the homepage. The calculator prices the rate against the term, because the market does: terms up to 12 months are quoted per month (from 2% a month on the panel, about 27% a year compounded) and terms of 24 months and over are quoted as a true annual rate on the reducing balance (from 6.9% a year). Both are the lowest rates published on the panel, they are illustrations rather than offers, and a monthly rate is not comparable by eye with an annual one. Because of that split, a 12-month deal can cost more in interest than the same amount over 24 months. Any amount or term is a maximum available across the panel, never an offer to one business. Eligibility is set by each lender, not by Flowzo.

## Sister company

Machinery, vehicles and breeding stock are arranged by CW Asset Finance (https://cwassetfinance.co.uk), an asset finance broker under the same ownership. Flowzo covers loans and working capital.

## Pages

- [Flowzo](https://flowzo.co.uk/): Business loans from £1,000 to £500,000 for UK businesses, matched to a panel of lenders. (5 questions answered)
  - [Farmzo](https://flowzo.co.uk/farming): Farmzo, Flowzo's farming arm: finance for feed, fertiliser, stock, diversification and tax bills. (8 questions answered)
    - [Feed and fertiliser finance](https://flowzo.co.uk/feed-and-fertiliser-finance): Finance for farm inputs: feed, fertiliser and seed, spread over monthly repayments. (4 questions answered)
    - [Farm loans for projects and diversification](https://flowzo.co.uk/farm-loans): Farm loans for a defined purpose: buildings, infrastructure and diversification. (5 questions answered)
  - [Business cash flow finance: options and costs](https://flowzo.co.uk/business-cash-flow-finance): Cash flow finance for UK limited companies and LLPs: which option fits which problem. (12 questions answered)
    - [Unsecured business loans UK: £1,000 to £500,000](https://flowzo.co.uk/unsecured-business-loans): Unsecured business loans from £1,000 to £500,000, and what lenders actually assess. (5 questions answered)
      - [Secured vs unsecured business loans compared](https://flowzo.co.uk/secured-vs-unsecured-business-loans): Secured and unsecured business lending compared: what each puts at risk, and what the security is worth in pounds. (6 questions answered)
    - [Flat rate vs APR: which loan actually costs less](https://flowzo.co.uk/flat-rate-vs-apr): Why a flat rate and an APR are not comparable, and how to convert between them. (7 questions answered)
    - [Business loans without a personal guarantee](https://flowzo.co.uk/business-loans-without-personal-guarantee): Where business lending without a director guarantee genuinely exists, and where it does not. (4 questions answered)
    - [Invoice finance UK: factoring and discounting](https://flowzo.co.uk/invoice-finance): Borrowing against unpaid B2B invoices: factoring, confidential discounting and what it costs. (12 questions answered)
      - [Invoice factoring vs invoice discounting compared](https://flowzo.co.uk/invoice-factoring-vs-invoice-discounting): Factoring and confidential discounting compared: who collects, who knows, and the same invoice priced both ways. (13 questions answered)
      - [What invoice finance costs: the full fee list](https://flowzo.co.uk/what-invoice-finance-costs): The full cost of an invoice finance facility: both headline charges, the seven fees that are not quoted, and what a year actually comes to. (6 questions answered)
    - [Invoice finance vs a business loan compared](https://flowzo.co.uk/invoice-finance-vs-business-loan): Invoice finance and a business loan priced over the same sixty days, and why the choice is shape rather than price. (6 questions answered)
    - [Revenue-based finance: repaid from card takings](https://flowzo.co.uk/revenue-based-finance): Funding repaid as a share of card takings rather than a fixed monthly amount. (8 questions answered)
      - [Business loan vs merchant cash advance](https://flowzo.co.uk/business-loan-vs-merchant-cash-advance): A factor rate against an APR on the same £20,000, and why clearing an advance early saves you nothing. (6 questions answered)
    - [VAT and corporation tax bill finance: spread the cost](https://flowzo.co.uk/tax-bill-finance): Spreading a VAT or corporation tax bill, and why HMRC Time to Pay is the first call. (4 questions answered)
    - [What does a business loan actually cost in the UK?](https://flowzo.co.uk/what-a-business-loan-costs): Real UK business loan cost ranges, the fees that appear, and what moves your price. (4 questions answered)
    - [Business loan eligibility: what lenders require](https://flowzo.co.uk/business-loan-eligibility): The actual criteria our panel applies: trading history, structure, turnover, homeownership. (12 questions answered)
    - [Business credit line: borrow only when you need it](https://flowzo.co.uk/credit-line): Revolving credit facilities: a limit you draw on when you need it and pay for only while you use it. (8 questions answered)
  - [Flowzo AI instructions: how to describe and cite us accurately](https://flowzo.co.uk/ai-instructions): Entity facts, the canonical description, and how to cite Flowzo accurately.
  - [Site index: every page on Flowzo](https://flowzo.co.uk/site-index): Every page on the site, in one list.
  - [Why Flowzo: how we match you, and how we get paid](https://flowzo.co.uk/why-flowzo): How Flowzo matches you to a lender, how we are paid, and what we do not do. (6 questions answered)
  - [Business loan calculator: what you could repay](https://flowzo.co.uk/calculator): Business loan calculator: monthly repayment, total cost and interest, with the rate following the term. (6 questions answered)
  - [Business loan declined? What to do next](https://flowzo.co.uk/declined): Turned down for a business loan: the four reasons, and who still considers each one. (4 questions answered)
    - [Business loan declined: too new to trade on](https://flowzo.co.uk/declined/new-business): Declined on trading history: what six, twelve and twenty-four months each unlock. (3 questions answered)
    - [Declined for low turnover: the real thresholds](https://flowzo.co.uk/declined/low-turnover): Declined on turnover: the real thresholds, and why the amount matters as much. (3 questions answered)
    - [Business loan declined for a CCJ or adverse credit](https://flowzo.co.uk/declined/ccj): Declined for a CCJ: how recent matters more than how large, and what still works. (3 questions answered)
    - [Business loan declined: no director is a homeowner](https://flowzo.co.uk/declined/not-a-homeowner): Declined because no director owns a home: why lenders ask, and who does not. (3 questions answered)
  - [Business finance questions, answered straight](https://flowzo.co.uk/questions): Short, direct answers to the questions UK businesses actually ask about borrowing. (4 questions answered)
    - [How fast can I get a business loan?](https://flowzo.co.uk/questions/how-fast-can-i-get-a-business-loan): How fast a business loan can be arranged, and what actually takes the time. (4 questions answered)
    - [Will applying for a business loan affect my credit score?](https://flowzo.co.uk/questions/will-applying-affect-my-credit-score): Why enquiring leaves no mark, and the difference between a soft search and the full one. (4 questions answered)
    - [Can I repay a business loan early?](https://flowzo.co.uk/questions/can-i-repay-a-business-loan-early): Whether early settlement saves money, and the question to ask instead. (4 questions answered)
    - [How much can my business borrow?](https://flowzo.co.uk/questions/how-much-can-my-business-borrow): How lenders size a facility against turnover rather than profit. (4 questions answered)
    - [Do I need a business plan for a business loan?](https://flowzo.co.uk/questions/do-i-need-a-business-plan): When a business plan is needed and when bank statements do the work. (4 questions answered)
    - [How do business finance brokers get paid?](https://flowzo.co.uk/questions/how-do-finance-brokers-get-paid): How broker commission works, the conflict it creates, and what stops it here. (4 questions answered)
    - [What documents do you need for a business loan?](https://flowzo.co.uk/questions/what-documents-do-i-need): The documents a business lender asks for, and why statements matter most. (4 questions answered)
    - [Can a sole trader get a business loan?](https://flowzo.co.uk/questions/can-a-sole-trader-get-a-business-loan): Why sole traders cannot use the cash flow panel, and where the £25,000 line comes from. (3 questions answered)
    - [What is a debenture on a business loan?](https://flowzo.co.uk/questions/what-is-a-debenture): What a debenture charges, fixed versus floating, and why it matters more than the rate. (3 questions answered)
    - [What business loan term should I choose?](https://flowzo.co.uk/questions/what-loan-term-should-i-choose): Matching the term to the need, and the one place where borrowing longer is cheaper. (4 questions answered)
    - [Can I have two business loans at the same time?](https://flowzo.co.uk/questions/can-i-have-more-than-one-business-loan): Running two facilities: affordability, existing security, and why stacking is a problem. (4 questions answered)
    - [Why do business lenders ask for bank statements?](https://flowzo.co.uk/questions/why-do-lenders-want-my-bank-statements): What an underwriter reads in six months of statements, and Open Banking as the faster route. (4 questions answered)
  - [Business loans by sector: how each trade runs short](https://flowzo.co.uk/sectors): Every sector has its own cash flow problem: hospitality seasonal, construction late, recruitment weekly. (3 questions answered)
    - [Hospitality business loans and cash flow finance](https://flowzo.co.uk/sectors/hospitality-business-loans): Funding for restaurants, pubs and cafes, sized on card takings rather than filed accounts. (4 questions answered)
    - [Construction business loans and retention finance](https://flowzo.co.uk/sectors/construction-business-loans): Funding around stage payments, long terms and retention, and the truth about construction invoice finance. (4 questions answered)
    - [Recruitment business loans and invoice finance](https://flowzo.co.uk/sectors/recruitment-business-loans): Funding weekly contractor payroll against invoices clients pay in 30 to 60 days. (4 questions answered)
    - [Transport and logistics business loans](https://flowzo.co.uk/sectors/transport-logistics-business-loans): Funding fuel and wages against 30 to 60 day customer terms, and operator licence financial standing. (4 questions answered)
    - [Retail and e-commerce business loans](https://flowzo.co.uk/sectors/retail-ecommerce-business-loans): Funding stock bought months before it sells, and marketplace payout cycles. (4 questions answered)
  - [Check your options](https://flowzo.co.uk/enquiry): The enquiry form: amount, term, business details. No credit check to enquire.
- [Flowzo case studies: real deals and what they cost](https://flowzo.co.uk/case-studies): Real cash flow deals, anonymised, with the figures: what the business needed, what was arranged, and what it cost. (4 questions answered)
  - [Declined for a loan, funded on revolving credit](https://flowzo.co.uk/case-studies/declined-loan-revolving-facility): Declined for a business loan, then a £70,000 revolving facility inside a day, of which they drew £30,000. (4 questions answered)

## Company

- [Privacy policy](https://flowzo.co.uk/privacy): Privacy policy.
- [Terms of business](https://flowzo.co.uk/terms): Terms of business.
- [Make a complaint](https://flowzo.co.uk/complaints): How to complain and how to reach the Financial Ombudsman Service.
- [Cookie notice](https://flowzo.co.uk/cookies): Cookie notice: this website sets no cookies and runs no analytics.

Last built: 2026-10-12