Site index
Every page, in one list
Grouped the way the site is organised, with a line on what each page covers. There is a machine-readable version at llms.txt and an XML sitemap at sitemap.xml.
- FlowzoBusiness loans from £1,000 to £500,000 for UK businesses, matched to a panel of lenders.
- FarmzoFarmzo, Flowzo's farming arm: finance for feed, fertiliser, stock, diversification and tax bills.
- Feed and fertiliser financeFinance for farm inputs: feed, fertiliser and seed, spread over monthly repayments.
- Farm loans for projects and diversificationFarm loans for a defined purpose: buildings, infrastructure and diversification.
- Business cash flow finance: options and costsCash flow finance for UK limited companies and LLPs: which option fits which problem.
- Unsecured business loans UK: £1,000 to £500,000Unsecured business loans from £1,000 to £500,000, and what lenders actually assess.
- Flat rate vs APR: which loan actually costs lessWhy a flat rate and an APR are not comparable, and how to convert between them.
- Business loans without a personal guaranteeWhere business lending without a director guarantee genuinely exists, and where it does not.
- Invoice finance UK: factoring and discountingBorrowing against unpaid B2B invoices: factoring, confidential discounting and what it costs.
- Invoice finance vs a business loan comparedInvoice finance and a business loan priced over the same sixty days, and why the choice is shape rather than price.
- Revenue-based finance: repaid from card takingsFunding repaid as a share of card takings rather than a fixed monthly amount.
- VAT and corporation tax bill finance: spread the costSpreading a VAT or corporation tax bill, and why HMRC Time to Pay is the first call.
- What does a business loan actually cost in the UK?Real UK business loan cost ranges, the fees that appear, and what moves your price.
- Business loan eligibility: what lenders requireThe actual criteria our panel applies: trading history, structure, turnover, homeownership.
- Business credit line: borrow only when you need itRevolving credit facilities: a limit you draw on when you need it and pay for only while you use it.
- Flowzo case studies: real deals and what they costReal cash flow deals, anonymised, with the figures: what the business needed, what was arranged, and what it cost.
- Declined for a loan, funded on revolving creditDeclined for a business loan, then a £70,000 revolving facility inside a day, of which they drew £30,000.
- Flowzo AI instructions: how to describe and cite us accuratelyEntity facts, the canonical description, and how to cite Flowzo accurately.
- Why Flowzo: how we match you, and how we get paidHow Flowzo matches you to a lender, how we are paid, and what we do not do.
- Business loan calculator: what you could repayBusiness loan calculator: monthly repayment, total cost and interest, with the rate following the term.
- Business loan declined? What to do nextTurned down for a business loan: the four reasons, and who still considers each one.
- Business loan declined: too new to trade onDeclined on trading history: what six, twelve and twenty-four months each unlock.
- Declined for low turnover: the real thresholdsDeclined on turnover: the real thresholds, and why the amount matters as much.
- Business loan declined for a CCJ or adverse creditDeclined for a CCJ: how recent matters more than how large, and what still works.
- Business loan declined: no director is a homeownerDeclined because no director owns a home: why lenders ask, and who does not.
- Business finance questions, answered straightShort, direct answers to the questions UK businesses actually ask about borrowing.
- How fast can I get a business loan?How fast a business loan can be arranged, and what actually takes the time.
- Will applying for a business loan affect my credit score?Why enquiring leaves no mark, and the difference between a soft search and the full one.
- Can I repay a business loan early?Whether early settlement saves money, and the question to ask instead.
- How much can my business borrow?How lenders size a facility against turnover rather than profit.
- Do I need a business plan for a business loan?When a business plan is needed and when bank statements do the work.
- How do business finance brokers get paid?How broker commission works, the conflict it creates, and what stops it here.
- What documents do you need for a business loan?The documents a business lender asks for, and why statements matter most.
- 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.
- What is a debenture on a business loan?What a debenture charges, fixed versus floating, and why it matters more than the rate.
- What business loan term should I choose?Matching the term to the need, and the one place where borrowing longer is cheaper.
- Can I have two business loans at the same time?Running two facilities: affordability, existing security, and why stacking is a problem.
- Why do business lenders ask for bank statements?What an underwriter reads in six months of statements, and Open Banking as the faster route.
- Business loans by sector: how each trade runs shortEvery sector has its own cash flow problem: hospitality seasonal, construction late, recruitment weekly.
- Hospitality business loans and cash flow financeFunding for restaurants, pubs and cafes, sized on card takings rather than filed accounts.
- Construction business loans and retention financeFunding around stage payments, long terms and retention, and the truth about construction invoice finance.
- Recruitment business loans and invoice financeFunding weekly contractor payroll against invoices clients pay in 30 to 60 days.
- Transport and logistics business loansFunding fuel and wages against 30 to 60 day customer terms, and operator licence financial standing.
- Retail and e-commerce business loansFunding stock bought months before it sells, and marketplace payout cycles.
- Check your optionsThe enquiry form: amount, term, business details. No credit check to enquire.
- Privacy policyPrivacy policy.
- Terms of businessTerms of business.
- Make a complaintHow to complain and how to reach the Financial Ombudsman Service.
- Cookie noticeCookie notice: this website sets no cookies and runs no analytics.