Developed in partnership with Recap, Cashflows Advance gives merchants fast access to pre-approved cash advances based on real sales data—removing the need for lengthy paperwork or collateral. Funding is released instantly when businesses need it most, with repayment tied to a fixed percentage of daily sales. This approach means SMEs pay less during slower trading periods, offering flexibility that traditional lending cannot match.
“Businesses must have access to funding when they need it,” said Paul Clarke, Chief Growth Officer at Cashflows. “Cashflows Advance empowers SMEs with a funding solution that adapts to their trading activity, combining speed with flexibility.”
Strong Growth and Merchant Success Stories
So far, hundreds of advances have been issued, with nearly 80% merchant retention, highlighting high satisfaction and long-term value. The solution has proven especially effective in food & beverage and e-commerce, delivering impressive growth results, including:
- A merchant achieving 646% revenue growth and an 813% rise in transactions within six months of their first advance.
- A food & beverage business expanding capacity with funding, driving 22% revenue growth in the same timeframe.
“This partnership showcases embedded funding in action,” said Jonathan Field, Managing Director at Recap. “The wide adoption across industries and repeat usage highlights how vital this solution is for businesses looking to scale.”
Key Features of Cashflows Advance
Cashflows Advance is designed to remove barriers and make funding stress-free for SMEs:
- Fast eligibility: Merchants can qualify with just one month of Cashflows transaction data.
- Flexible repayments: Payments adjust automatically in line with daily sales performance.
- Instant access: Applications take only minutes, with funds often released on the same day.
- No rejection risk: Pre-approved funding eliminates the uncertainty of traditional loans.
Empowering UK SMEs
With hundreds of businesses already funded, Cashflows Advance is helping SMEs invest in stock, marketing, operations, and expansion. For example, one heat seal business used its advance to fulfil a surge in orders—seizing opportunities that would have otherwise been missed.
As SMEs continue to face economic challenges, Cashflows is setting a new standard for simple, scalable, and responsive funding solutions that meet the real needs of UK businesses.
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