Cash Flow Loans & Financing
Cash flow is critical for businesses. Companies need cash to cover things like payroll, purchase inventory, pay invoices, and cover normal operational expenses. Business cash flows loans help companies when they need it the most.
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Since 2008, we've grown with the companies we support.
What Are Cash Flow Loans?
Cash flow loans are a type of lending product that's not backed by collateral, but is instead determined by past and future cash flow projections. Because you're not using any tangible items for collateral, some lending companies will give approvals within a matter of hours.
Use Cases
How To Use a Cash Flow Loan
Businesses find a cash flow lender for many different reasons. These loans have flexible options that allow companies to get through slow seasons and gear up for busy times as well. Here are some of the ways to use a cash flow loan.
Learn Why Us-
Grow Your Business
Cash flow is essential to grow a business. With cash flow loans for small business needs, even startups can get the capital necessary to hire staff, pay for marketing, and expand operations.
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Cover Expenses
Ever wonder how businesses pay for more inventory and cover the costs of running a business? A cash flow loan can help.
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Hire Employees
Get people working in your business, so you can work on the important task of growing and leading. A cash flow loan gives you the resources you need to hire employees.
Why Apply for a Cash Flow Loan?
Manage Peak Periods & Seasonal Slowdowns
Every business has a natural ebb and flow to income but has year-round expenses to cover. Getting small business cash flow loans helps you better navigate seasonal changes.
The Opportunity to Buy Inventory
When you need more inventory to get ready for the busy season or you want to add new products, a cash flow loan is the perfect choice to help you buy inventory.
Make Sure the Necessary Tools Are Paid For
Business tools can range from technology to the things needed for an HVAC business. Cash flow loans ensure these essential tools care paid for.
Minimum Eligibility Requirements
Getting business loans based on cash flow requires a few things. You’ll need to prove your time in business and your past revenue. Here’s what to expect.
| Time in Business | Minimum 6 Months |
|---|---|
| Business Annual Growth Revenue | $240K+ Annual Revenue |
| Business Checking Account | Yes |
| US Citizen/Based Company | Yes |
| FICO Score | 570+ |
| Other Financing | None |
| Bankruptcies | None open |
Better Your Business With Samlend Financial
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Expand or Improve Business Location
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Purchase or Repair Equipment
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Hire Skilled Workers
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Invest in Updates
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Buy Inventory
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Manage Expenses
Case Studies
Communications Expansion
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Funding Amount: $1 Million
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Approval Amount: $1.2 Million
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Industry: Telecommunications
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Use of Funds: Expansion
Featured Funding
Stabilizing Growth
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Initial Funding Amount: $750,000
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Add-on Opportunity: $450,000
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Industry: Manufacturing
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Use of Funds: Financial Stability, Growth
Automation Growth
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Funding Amount: $300,000
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Approval Amount: $450,000
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Industry: Manufacturing / Automation
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Use of Funds: Working capital
Featured Funding
National Food and Beverage Franchise Network
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Funding Amount: $1.4 million
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Industry: Food and Beverage Franchise
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Use of Funds: Expansion and Renovation
Organic Growth
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Funding Amount: $750,000
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Approval Amount: $1,400,000
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Industry: Organic Food Grower
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Use of Funds: Cash Liquidity
Featured Funding
Delivery Service Expansion
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Funding Amount: $100,000
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Industry: Delivery Service
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Use of Funds: Equipment
Supporting Growth in Construction
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Funding Amount: $300,000
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Early Renewal: Additional $300k available in 60 days
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Industry: Construction
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Use of Funds: Cash Flow
Featured Funding
Physical Therapy
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Funding Amount: $1,000,000
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Industry: Healthcare
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Use of Funds: Expansion, Cash Flow
Subordinate Position
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Funding Amount: $2,000,000
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Approval Amount: $2,700,000
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Industry: Professional Services
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Use of Funds: Expansion, Cash Flow
Bridge Capital for Explosive Growth
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Funding Amount: $1,000,000
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Approval Amount: $2,500,000
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Industry: Construction
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Use of Funds: Bridge Financing, Expansion
Empowering Healthcare Staffing Growth
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Funding Amount: $1,000,000
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Approval Amount: $1,400,000
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Industry: Healthcare Staffing
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Use of Funds: Expansion
Facilitating Growth in Commercial Forestry Industry
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Funding Amount: $750,000
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Industry: Forestry
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Use of Funds: Hiring Additional Staff, Acquiring New Equipment and Materials
Opportunistic Growth
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Funding Amount: $400,000
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Industry: Electric Company
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Use of Funds: Opportunistic Growth
Fueling Expansion
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Total Funding: $5,000,000
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Renewals: 4 times in 16 months
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Initial Funding: $1,100,000
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Industry: Commercial Storage
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Use of Funds: Cashflow Gaps, Growth
Crafting Culinary Success
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Funding Amount: $1,000,000
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Industry: Specialty Food
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Use of Funds: Production, Technology, Marketing
Fitness Transformations
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Funding Amount: $150,000
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Industry: Fitness and Wellness
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Use of Funds: Expansion
Brewing Success
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Funding Amount: $170,000
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Industry: Food and Beverage
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Use of Funds: Product development, customer experience, marketing
Empowering Wellness
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Funding Amount: $750,000
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Industry: Health and Wellness
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Use of Funds: Bridge Financing
In with the View
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Funding Amount: $240,000
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Industry: Construction
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Use of Funds: Expansion
Growing Green
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Funding Amount: $750,000
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Industry: Landscaping
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Use of Funds: Payables, Expansion
Crafting Success
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Funding Amount: $800,000
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Industry: Manufacturing and Wholesaling
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Use of Funds: Equity Raise, Production, Efficiencies
Advancing Medical Excellence
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Funding Amount: $720,000
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Industry: Healthcare
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Use of Funds: Equipment, Staffing, Patient Experience
Fashionable Success
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Funding Amount: $300,000
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Industry: Retail
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Use of Funds: Inventory, Renovations
Charting New Horizons
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Funding Amount: $220,000
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Industry: Travel and Tourism
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Use of Funds: Product Offering, Technology, Partnerships
Cash Flow Loans FAQ
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Because cash flow loans are not backed by collateral, lenders need to be sure you have the cash flow to warrant a loan. It protects them and their interests.
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Cash flow loans are not secured. Lenders instead rely on your business's revenue and cash flow history to make a lending determination.
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A cash flow loan is an unsecured loan whereas an asset based loan is a type of secured loan. Secured loans use company assets to back the amount of the loan.
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A cash flow loan can be a line of credit that businesses can borrow against to help cover cash flow deficits during slow times. For instance, in retail, the holidays are the busiest times of the year, however, stores need the cash flow to purchase inventory and pay workers before the big sales come during the holidays.
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