Seven ways to put cash back in your business
Whether you need a lump sum, a flexible credit line, or funding tied to your sales and invoices, there’s a cash flow solution for every type of business, including new starts. Browse the options below and find the one that fits.
Unsecured Business Loans
No assets to offer? No problem. An unsecured business loan gives you access to funding based on your business’s performance and creditworthiness, nothing pledged, nothing at risk. Loan amounts, terms, and rates vary by lender, but the process is typically fast and straightforward.
It’s one of the most popular routes for businesses that need funds for working capital, growth, or covering short-term costs without touching their assets or property.
You can finance a lump sum of future earnings!
Merchant Cash Advance
A Merchant Cash Advance isn’t a traditional loan, it’s an advance against your future card takings. You receive a lump sum upfront, and repayments come out automatically as a percentage of your daily card sales. Slower month? Lower repayment. Busy month? You pay more back, faster.
Ideal for retail, hospitality, and any business that processes regular card payments, it’s one of the most flexible funding options available, and approval is based on your card revenue, not just your credit history.
Lendaline delivered a finance solution to my business where all others feared to tread. All with assured calm efficiency and briskly too. I unreservedly recommend inviting Guy to pitch on any funding need your business might have – you’ll be in good hands.”
Stefan Hohmann
Director, GEM Display Media Limited
Invoice Finance
Waiting 30, 60, or 90 days for customers to pay their invoices? Invoice finance lets you access up to 90% of the value of outstanding invoices straight away, rather than sitting on funds you’ve already earned.
Available as invoice factoring (where the lender manages your sales ledger) or invoice discounting (where you stay in control), it’s particularly well suited to B2B businesses with regular invoice cycles and growing order books.
Revolving Credit Facilities
Think of a revolving credit facility as a business overdraft, but with a pre-agreed limit you can draw on, repay, and draw on again as needed. Interest is only charged on what you actually use, making it a cost-effective way to manage cash flow without committing to a fixed loan.
Useful for covering gaps between expenses and income, seasonal fluctuations, or opportunistic purchases, it gives businesses an ongoing financial safety net without the need to reapply each time.
Secured Business Loans
Where unsecured loans rely on business performance, secured loans are backed by an asset, typically property, equipment, or vehicles. That security reduces the lender’s risk, which usually means better rates, longer repayment terms, and access to larger amounts.
A good option for established businesses looking to fund significant investment or growth, and for those who may not qualify for unsecured finance at the rates or scale they need.
We’ve lent over £10m to construction businesses
Government Backed Loans
Government-backed loan schemes are designed to help businesses that might struggle to access conventional lending, including newer businesses, those with limited security, or companies in specific growth sectors. The government provides a partial guarantee to the lender, which opens the door to more favourable terms.
Lendaline works with a wide panel of approved lenders to help you identify whether a government-backed route is right for your circumstances, and fast-track your application.
New Start Capital
Starting out doesn’t disqualify you from finance. New Start Capital is designed specifically for businesses trading for less than two years, providing access to funding for stock, equipment, marketing, premises, and the everyday costs of getting a business off the ground.
With 120+ lenders on our panel, including specialist new-start lenders, we can often find options where the high street would say no.
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No matter the asset, we’re here to help you get funded today
