Best Small Business Cash Flow Loans

It’s common for businesses to experience problems with regular cash flow. Whether you’re a store owner whose business depends on seasonal customers, or you’re a property developer waiting to sign the next contract, sometimes, the customer base just isn’t that consistent. That’s where cash flow financing can help. Cash flow loans can help business owners fill in their revenue gaps and keep their businesses stable and afloat.

What Is Cash Flow Financing?

With cash flow financing, business owners take out a loan to help with inconsistent cash flow or revenue losses. This is one of the most common forms of business financing.

When To Consider A Cash Flow Loan

You should consider a cash flow loan if you’re experiencing a gap in your income or revenue stream. A cash flow loan can help you make up the cash that you would receive from a customer base that is otherwise steady, or from a drop in your sales.

How To Deal With Common Cash Flow Issues

To deal with cash flow issues, you should reduce your overall expenses, provide incentive for customers to pay earlier, plan ahead of time and get credit before you need it, and set up a system to deal with bad debts. Additionally, it’s important to get your accounting and bookkeeping in order so that you can plan ahead. If you’re not entirely certain about each aspect of your financial situation, take the time to get your financial history and documents organized.

Cash Flow Loans for Established Businesses

Credibility Capital

Credibility Capital offers short-term business loans to highly qualified borrowers. Their loan amounts range between $50,000 and $400,000, with loan repayment terms of one, two or three years. They offer relatively low APRs, with rates ranging between 10% and 25%. To qualify, borrowers should have a credit score above 680.

» MORE: Credibility Capital Business Loan Review


Fundation offers business loans between $20,000 and $500,000 with repayment terms of up to four years. Their loans come with annual percentage rates ranging between 8% and 30%, and can fund within as little as one day.


SmartBiz offers a faster, easier way to get an SBA loan. Their loans range between $30,000 and $350,000, with rates starting at 9.7% with a maximum of 30%. This lender also offers flexible, 10-year repayment terms. To qualify, borrowers should have a personal credit score above 675, at least two years in business and an annual revenue of $50,000 or more.  

» MORE: SmartBiz Loan Review

Short Term Cash Flow Options For New Businesses


OnDeck offers short-term loans ranging between $5,000 and $500,000, with APRs as low as 9% and as high as 99%. Their repayment terms are particularly short, with terms ranging between three and 36 months. With a next-day funding time and easy, online application, this lender can be a great option for borrowers who qualify for their lowest rates.

However, OnDeck’s rates can also reach a percentage that’s close to the triple digits, so if you are a new borrower or have bad credit, make sure to compare a variety of options before settling on a high-cost OnDeck loan.  To qualify, you should have a credit score above 500.

» MORE: OnDeck Business Loan Review


Kabbage offers loans starting at $2,000, with a maximum amount of $250,000. Their annual percentage rates range between 24% and 99%, with repayment terms of 6, 12 or 18 months. This lender offers one of the fastest turnaround times in the industry, with some loans funding within just a few minutes. Kabbage puts most of the emphasis on annual revenue and your business’ financial history, so if you have bad credit, you might be more likely to qualify with Kabbage than with a traditional lender.

» MORE: Kabbage Business Loan Review


BlueVine offers lines of credit of up to $250,000 and invoice factoring of up to $5 million. Repayments on their lines of credit are made within periods of six or 12 months, and terms for their invoice factoring are anywhere between one and 13 weeks. To qualify, borrowers should have a personal credit score above 600.

» MORE: BlueVine Business Loan Review

Business Line of Credit Options


Fundbox offers lines of credit between $1,000 and $100,000. Their annual percentage rates range between 10.1% and 79.8%, with weekly repayments of up to 12 weeks. To qualify, your business should have at least $50,000 in annual revenue and at least three months of operation.

» MORE: FundBox Business Loan Review


Streetshares offers lines of credit between $5,000 and $100,000 to new and growing businesses and owners who have served in the military. Their APRs range between 8% and 39%, and repayment periods are typically between three and 36 months. To qualify, you should have at least one year in business, an annual revenue of $50,000 or more and a personal credit score above 620.

» MORE: StreetShares Business Loan Review

How Does A Loan Affect Cash Flow?

A cash flow loan or line of credit can help business owners make up for lost revenue or late customer payments. While a term loan might help make up for a one-time loss or lag in cash, a line of credit can help businesses that experience routine or cyclical lapses in cash flow by allowing them to regularly fill in the gaps.

How Does Poor Cash Flow Affect A Business?

Poor cash flow can affect everything from payroll, to expansion, to rent payments and supply purchases. Not having a large or stable cash flow can prevent you from making necessary repairs to your business’ properties, force you to downsize or even put a damper on your credit score if you can’t make major business loan payments.

How Can Cash Flow Problems Be Avoided?

It’s important to take steps ahead of time to avoid problems with cash flow. Business owners can prevent their business from requiring cash flow financing in the first place by planning ahead, keeping their financial histories organized and incentivizing customers to pay earlier. By taking these steps, you might be able to avoid some of the common cash flow issues that plague small business owners.


Before diving into a large loan to cover your cash flow issues, make sure that you’ve restructured your finances and taken all of the possible steps to avoid any potential cash problems. If you have established that taking out a loan is your only option to fill in the gaps, remember to apply to multiple lenders and evaluate more than one offer before making a final decision on the loan that’s right for you.

Compare Business Loans

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