Tide Start-up Loan
- £500 to £100,000
- 12 to 60 months
- Cashflow forecasting through Tide Connect
Founded in 2013, Just Cash Flow is a specialist direct lender (not a broker) to UK-based limited companies and LLPs. It offers loans of £10,000 to £1,000,000, which can be repaid either in monthly repayments or through a revolving credit facility – where you borrow what you need as and when you need it, and only pay interest on that amount.
Just Cash Flow loan customers can take advantage of repayment holidays, extended terms and repeat loans. While this makes it a flexible way to borrow money, it could become easy for a small business to take on repeat credit when it wouldn’t otherwise do so.
The interest rate you are offered will depend on factors like the credit history of your company, and the loan amount and term you apply for. It may differ from the advertised APR.
Just Cash Flow offers three distinct business loan options:
You should only apply for Just Cash Flow business finance if you’re certain your company can meet the repayment terms. You must also:
Just Cash Flow has received mixed reviews from its customers, according to customer review sites like TrustPilot and Google Reviews.
The lender currently has a TrustPilot rating of 4.5 out of 5, based on 290 reviews (updated May 2022). Multiple Just Cash Flow customers who rated the lender below average complained that the company had poor communication with little business support for the prices they charge.
However, on the flip side to this, 89% of reviewers who rated the lender the full 5 stars, stated that they found the service “brilliant” and “quick and efficient”.
On Google Reviews, Just Cash Flow currently has a rating of 3.0 out of 5 stars, based on 40 ratings (updated May 2022). Like the TrustPilot reviewers, those who rated Just Cash Flow with low scores, argued that the company is not “professional” or “efficient”. However, in contrast, those who rated the service highly said that the process was “smooth” and the support managers were “highly professional”,”helpful” and “friendly”.
You can apply for a callback in just a few minutes using the online contact form. You will be asked to fill in a few simple details about yourself and your business, along with a brief outline of your funding needs. A Just Cash Flow advisor will then call you to talk through your application in more detail. You are likely to be asked for management accounts, cash flow forecasts and filed accounts for the business.
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