⚠️ FlowFund is in the process of obtaining FCA authorisation. Lending will commence upon receipt of regulatory permissions. Currently operating under Appointed Representative arrangement.
FlowFund provides fixed-rate secured loans of £75,000–£200,000 to UK businesses, priced at 19% p.a. — matching the market rate, with faster decisions and a personal service model.
Your broker sends us the key facts. We acknowledge every submission within 4 business hours.
A named underwriter reviews the case and issues an in-principle decision — with honest, specific reasons.
Formal offer, solicitors instructed, funds released. Broker proc fee paid within 5 business days.
Move the sliders to estimate monthly repayments on a FlowFund secured loan. Indicative only — your broker will give you a personalised illustration.
Interest-only is available for terms up to 24 months, with capital repaid at the end.
This calculator is for illustration only and does not constitute a quote or an offer of finance. It excludes third-party costs (valuation, legal). The representative APRC for a typical loan is around 22–24%. Loans are available to business borrowers in England & Wales, subject to status, security and affordability.
FlowFund is a relationship-driven, balance-sheet lender. Every case is assessed by a human underwriter — no algorithm, no automated decline.
In-principle decision within 48 hours of a complete case submission. Named underwriter for every broker. Honest decline reasons — never generic.
You deal with the principals. No call centres, no committees. Personal service to brokers and borrowers that technology platforms cannot replicate.
1st or 2nd charge on residential or commercial property. Strong security discipline means we can lend to complex cases others decline.
Pre-packs, turnarounds, non-standard income, HMRC arrears. We apply human judgement to every case — not a credit algorithm.
No external investors, no fund mandate, no carried interest. Our own capital at risk — which means rigorous credit discipline on every loan.
Fully listed on the NACFB lender panel. FCA-regulated lending. We meet every NACFB standard and welcome introductions from all authorised brokers.
FlowFund sits in the same rate bracket as Competitor 1, with longer maximum terms than Competitor 2 and a relationship model no platform can match.
| FlowFund ✓ | Competitor 1 | Competitor 2 | Competitor 3 | |
|---|---|---|---|---|
| Typical Rate | 19% p.a. fixed | 19.08% p.a. | 21–42% APR | From 6.9% p.a. |
| Loan Sizes | £75k – £200k | £3k – £250k | £5k – £1m | £10k – £750k |
| Maximum Term | 36 months | 15 years | 12 months | 6 years |
| Decision Speed | 48 hours | Not published | 3 hours | 1 hour (automated) |
| Human Underwriting | ✓ Every case | ✓ Every case | Automated | Automated |
| Property Security | ✓ Required | ✓ Required | Optional | Unsecured |
| Bad Credit / Pre-pack | ✓ Case-by-case | ✓ Considered | ✓ Accepted | Automated decline |
| Broker Distribution | ✓ NACFB | ✓ NACFB only | ✓ Partner portal | ✓ Introducers |
| Interest-Only Option | ✓ Up to 24mo | ✓ | No | No |
| Personal Guarantees | Required | Required | Required | Optional |
Submit the case via email or our broker submission form. NACFB-registered brokers only. We aim to acknowledge every case within 4 business hours.
Our underwriter reviews the case and issues an in-principle decision within 48 hours of receiving a complete pack. Named contact for every broker.
8-section credit assessment including financial analysis, security valuation and AML/KYC. We use our proprietary weighted scoring framework.
Formal offer letter issued with all conditions. Solicitors instructed simultaneously to minimise time to completion.
Funds transferred on completion. Second charge registered at Land Registry. Broker procuration fee paid within 5 business days.
Call us for a quick pre-qualification before putting a full pack together. We'll tell you within minutes whether the case fits our criteria.
Simple, transparent lending at market-standard rates. No hidden fees. No variable rate surprises. What you see is what you pay.
| Loan Size | £75,000 – £200,000 | Sweet spot: sufficient interest income, below bank thresholds |
| Interest Rate | 19.0% p.a. fixed | Fixed for the full loan term — no variable rate risk |
| Term | 3 – 36 months | Capital & interest or interest-only (up to 24mo) |
| Security | 1st or 2nd charge | Residential or commercial property in England & Wales |
| Maximum LTV | 75% (1st) · 65% (2nd) | Combined loan-to-value including prior charge |
| Personal Guarantees | Required | All directors / shareholders with >25% stake |
| Arrangement Fee | 1–2% of loan value | Deducted on completion — disclosed upfront |
| Broker Proc Fee | 1–1.5% | Paid within 5 business days of drawdown |
| Early Repayment | Up to 3 months' interest | ERF applies — borrowers may repay at any time |
| Geography | England & Wales | Scotland and Northern Ireland not currently served |
Fixed monthly instalments throughout the loan term. Interest calculated daily, applied monthly. Outstanding balance reduces continuously from day one — progressively improving the LTV ratio and reducing credit exposure.
Monthly interest payments only; full capital repayable at maturity. Available to creditworthy borrowers with strong security cover and a clear, evidenced exit strategy (property sale, refinance or business exit).
Borrowers may repay at any time. FlowFund charges an early repayment fee of up to 3 months' interest on the outstanding balance. Interest is calculated daily — any early settlement reduces both the borrower's cost and FlowFund's interest income.
We lend across most UK business sectors. Complex cases are considered on their merits — our human underwriting means we can lend where automated systems decline.
We actively consider pre-pack acquisitions, turnaround situations, HMRC arrears refinancing, director-owned properties, and businesses with non-standard credit histories. Contact us to discuss before investing in a full pack.
The following example is provided in accordance with the FCA's mortgage lending and consumer credit disclosure requirements. Individual APRCs will vary based on loan size, term, and arrangement fee.
| Loan amount | £130,000 | Secured on commercial property, 1st charge |
| Loan term | 36 months | Capital & interest repayment |
| Interest rate | 19.0% p.a. fixed | Fixed for full term — no rate change risk |
| Monthly repayment | ~£4,766/month | Fixed monthly instalment |
| Arrangement fee | 2.5% (£3,250) | Deducted from drawdown proceeds |
| Total amount repayable | ~£171,570 | Including all interest and fees |
| Total cost of credit | ~£41,570 | Total interest + arrangement fee |
| Representative APRC | 24.1% APR | Annual Percentage Rate of Charge |
This is a representative example only. Your actual APRC will depend on your personal circumstances, loan size, term, and arrangement fee. FlowFund is required by the FCA to quote an APRC on all regulated mortgage contracts and consumer credit agreements. All fees and charges are disclosed in your personalised illustration before you commit.
FlowFund publishes its full tariff of charges in accordance with FCA expectations for regulated lenders. All charges are disclosed in your loan agreement before drawdown.
| Charge | Amount | When Applied |
|---|---|---|
| Unpaid direct debit / returned payment | £25 per event | Each time a scheduled payment fails |
| Monthly arrears review fee | £25/month | While account is in arrears (from month 2) |
| Solicitor instruction fee | £85 | When solicitors are formally instructed on arrears |
| Legal action administration fee | £100 | On commencement of formal legal proceedings |
| Early repayment charge (ERC) | Up to 3 months' interest | On full early settlement |
| Default interest rate | +5% p.a. above contractual rate | Applied on overdue amounts while in default |
| LPA receiver costs | At cost | If a Law of Property Act receiver is appointed |
All charges above are inclusive of VAT where applicable. FlowFund does not charge any valuation, legal, or survey fees directly — these are payable by the borrower to their own solicitor and valuer. Third-party costs are estimated upfront in your indicative terms.
All FlowFund borrowers are required to maintain the following conditions throughout the loan term. These covenants protect both the borrower's equity and FlowFund's security position.
Keep the secured property in good repair and condition throughout the loan term. FlowFund may carry out inspection visits.
Maintain adequate buildings insurance for the full reinstatement value, noting FlowFund's interest as mortgagee.
No material or structural alterations to the property without FlowFund's prior written consent.
The property must not change its planning use class without FlowFund's prior written approval.
No new tenancies, licences, or occupation arrangements without FlowFund's prior written consent.
Notify FlowFund promptly of any material change in business circumstances, financial position, or ownership structure.
FlowFund requires a personal guarantee (PG) from all directors and shareholders holding more than 25% of the borrowing entity. The PG provides an additional layer of security and demonstrates the guarantors' confidence in their own business.
All guarantees are given on a joint and several basis where there are multiple guarantors — meaning each guarantor is individually liable for the full guaranteed amount, not just their proportionate share. This significantly strengthens FlowFund's recovery position.
FlowFund follows the Etridge principles: all guarantors are strongly advised to take independent legal advice before signing. Where a guarantor's principal residence forms part of the security, a certificate of independent legal advice from a solicitor is mandatory.
A personal guarantee is a serious legal obligation. Guarantors should read the guarantee document carefully, take independent legal advice, and satisfy themselves they understand the extent of their liability before signing.
Where a guarantor offers a charge over their own property to secure the guarantee, this is a secured personal guarantee and typically allows FlowFund to offer more favourable terms or a higher LTV on the primary security.
FlowFund uses regulated Open Banking technology (under PSD2 / UK retained law) to access real-time transaction data from borrowers' business bank accounts — with the borrower's explicit consent. This replaces or supplements traditional bank statement requests, cutting turnaround times significantly.
Rather than asking for 3–6 months of PDF bank statements, FlowFund can receive 12+ months of categorised transaction data instantly via our Open Banking partner (TrueLayer, Plaid, or Experian). The data is read-only — we cannot make payments or initiate transactions.
Open Banking analysis identifies revenue consistency, recurring payroll, HMRC payments, supplier relationships, and seasonal patterns — all of which feed directly into our credit scoring model. Borrowers who consent to Open Banking typically receive faster decisions.
Open Banking providers are FCA-regulated Account Information Service Providers (AISPs). Data is transmitted via encrypted APIs — never shared or sold to third parties.
Instant access to 12+ months of transaction history reduces manual review time. Borrowers who connect via Open Banking typically receive a decision faster than those providing paper statements.
Open Banking consent is voluntary. Borrowers who do not wish to share live bank data may submit PDF statements instead — though this may extend the assessment timeline.
Existing borrowers in good standing may apply for a further advance against the same security — without the cost and delay of a full new application. FlowFund assesses further advances on the current LTV, updated valuation (if required), and repayment track record. This deepens client relationships and increases the lifetime value of each introduced case. Brokers receive a procuration fee on each further advance drawn down.
In-principle in 48 hours. Named underwriter. Honest declines. We understand that your reputation depends on lenders who respond, deliver and communicate clearly.
We commit to an in-principle decision within 48 hours of a complete case submission — or we'll tell you why we need more time.
Every case is handled by a named underwriter. Direct phone and email. No ticket systems, no call queues.
If we decline, we tell you exactly why — in writing. Not a generic rejection. You can use this to help your client address the issue.
Proc fee paid within 5 business days of drawdown. No chasing, no delays. We confirm the amount in the offer letter.
| Channel | Proc Fee | Basis |
|---|---|---|
| NACFB Broker (standard) | 1.5% | % of net loan |
| NACFB Broker (high volume) | Up to 1.75% | Subject to agreement |
| Accountant referral | 0.5–1.0% | % of net loan |
| Solicitor referral | Reciprocal | By arrangement |
Procuration fees are in addition to the borrower's arrangement fee. Both are disclosed in the offer letter and compliant with NACFB standards.
NACFB members and FCA-authorised credit brokers are welcome to register. We'll set up a named underwriter contact and send you our product criteria sheet.
FlowFund is a broker-only lender. We do not take direct applications from borrowers. If you are a business owner, please speak to an NACFB-registered commercial finance broker who can introduce your case to us.
Your broker sends us a brief case summary — company name, loan amount, security and purpose. We respond within 4 business hours with a preliminary view.
Once we've confirmed the case fits our criteria, your broker submits the full pack: accounts, bank statements, AML documents, property details.
Our underwriter works through the full 8-section credit assessment template, including financial analysis, risk scoring and security review. 48-hour target.
If approved, we issue a formal offer letter detailing rate, term, conditions and fees. All information confirmed in writing before the borrower commits.
Solicitors instructed. Security registered. Funds transferred. Broker proc fee paid within 5 business days of drawdown.
From full pack to drawdown, typical timelines are:
| Initial enquiry response | Within 4 business hours |
| In-principle decision | 48 hours (full pack) |
| Full credit assessment | 3–5 business days |
| Offer letter issued | 1–2 days after credit approval |
| Drawdown (legal complete) | 2–4 weeks from offer |
FlowFund is a private UK lending business funded entirely by its founding family. No fund mandates, no external shareholders, no performance fees. Our own capital at risk on every loan — which creates genuine credit discipline.
FlowFund was established to occupy a specific and well-evidenced gap in the UK SME lending market: secured, property-backed loans of £75,000–£200,000, priced at the market rate of 19% p.a., delivered with the speed and personal service that institutional lenders cannot match.
The UK has 5.7 million SMEs. High-street banks serve fewer than one in three when it comes to specialist, secured lending. Non-bank lenders have grown their market share consistently at 8–12% per year — and FlowFund is entering that market with family capital, no external dilution, and a credit discipline that comes from having our own money at risk.
Our closest market comparator is Competitor 1 — a broker-only secured lender that has operated at 19% for over 20 years. We match their pricing, exceed their technology, and build on their relationship model with faster turnaround and more transparent communication.
We are in the process of obtaining FCA direct authorisation and are currently operating under an Appointed Representative arrangement with an existing FCA-authorised principal firm.
Every fee, every condition, every rate — disclosed in writing before the borrower commits. No surprises at completion.
Decisions made by principals, not committees. Our 48-hour in-principle commitment is a real commitment, not a marketing claim.
Every loan assessed against our 8-section weighted credit framework. Our own capital is at risk — which creates genuine underwriting discipline.
Brokers deserve honest, specific feedback on every case. Borrowers deserve clear terms. We treat both the way we'd want to be treated.
FlowFund integrates environmental, social, and governance principles into how we lend, how we operate, and how we engage with our community.
FlowFund actively seeks to finance energy-efficient SME premises upgrades and considers green credentials positively in credit assessment. We operate as a paperless lender — all documentation is digital. We do not fund businesses in fossil fuel extraction, single-use plastics manufacturing, or high-emissions industries identified on our exclusion list.
We lend to support UK job creation and business growth. FlowFund assesses the social impact of each loan — including the number of jobs supported, community significance, and borrower vulnerability. We follow FCA Consumer Duty obligations fully and have a dedicated vulnerable customer policy. FlowFund pays the Real Living Wage to all employees.
FlowFund operates under the FCA's Senior Managers & Certification Regime (SM&CR), with named accountable individuals for each regulated activity. Our lending decisions are documented, auditable, and reviewable. We maintain a robust conflicts of interest policy, AML/KYC procedures, and a whistleblowing framework. Annual accounts are filed with Companies House.
FlowFund conducts affordability assessments on every application, including stress-tested scenarios. We do not lend to businesses where we believe the loan repayments would cause undue financial hardship. If a borrower's circumstances change materially during the loan term, FlowFund commits to engage constructively before taking enforcement action.
For broker enquiries, case submissions and general questions. We aim to respond within one business day.
For urgent cases or pre-qualification calls, contact us directly.
FlowFund is listed on the NACFB lender panel. NACFB-registered brokers can introduce cases directly — no pre-registration required for a first case.
FlowFund Limited is in the process of obtaining authorisation from the Financial Conduct Authority (FCA) as a regulated mortgage lender and consumer credit provider. During this period, FlowFund Limited operates as an Appointed Representative of [Principal Firm Name], which is authorised and regulated by the Financial Conduct Authority (FRN: [XXXXXX]).
You can check the FCA Register at register.fca.org.uk.
Representative Example: Borrowing £150,000 over 24 months at a fixed rate of 19.0% per annum (fixed). Monthly repayment: £7,620. Total amount repayable: £182,880. Total charge for credit: £32,880. Arrangement fee: £2,250 (1.5%). Representative APR: 22.9%.
The above is a representative example only. Your actual rate, fee and repayment will depend on your individual circumstances. Available to business borrowers only in England and Wales.
FlowFund Limited is registered with the Information Commissioner's Office (ICO) as a data controller. We collect and process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.
We use your personal data to assess loan applications, conduct credit checks, comply with anti-money laundering obligations, manage loan accounts and meet our regulatory reporting requirements. We do not sell your personal data to third parties for marketing purposes.
You have the right to access, rectify or erase your personal data, to restrict or object to processing, and to data portability. To exercise any of these rights, contact us at privacy@flowfund.co.uk.
FlowFund is committed to handling complaints fairly and promptly. If you are dissatisfied with any aspect of our service, please contact us using the details below.
We will acknowledge your complaint within 5 business days and aim to provide a final response within 8 weeks. If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk or by calling 0800 023 4567.
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By accessing this website, you agree that it is provided for information purposes only and does not constitute financial advice. FlowFund Limited makes no warranty as to the accuracy or completeness of the information on this website. FlowFund products are available to business borrowers only, aged 18 or over, resident in England and Wales, subject to status and affordability assessment.
FlowFund Limited is a company registered in England and Wales. Company Number: [XXXXXXXX]. Registered Office: [Address]. VAT Registration: [XXXXXXX].
Paste the data a broker or prospective customer has supplied and the engine analyses it against FlowFund's 8-factor weighted framework — producing factor scores, a RAG decision, strengths, risks and a draft credit narrative for your review.
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