Lender review · Revolving credit / cashflow facility
Just Cashflow
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 08508165
- Methodology Public
Just Cash Flow plc entered administration in 2025 (administrators: FRP Advisory). The legal entity remains on Companies House at CN 08508165. Historically a revolving-credit and cashflow-facility lender for established UK Ltd companies; existing customer book is being run off through the administration process. Not accepting new applications.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Revolving credit / cashflow facility
- Ticket size
- £10k to £500k
- Typical rate
- 0.5% to 2.5% per month on drawn balance
- Decision time
- 24 to 72 hours
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 08508165
Scores against our methodology
- Rate transparency0/5
- Eligibility clarity0/5
- Decision speed0/5
- Decline handling0/5
How Just Cashflow works
Just Cashflow operates as a revolving credit / cashflow facility provider in the UK SMB market. Just Cash Flow plc entered administration in 2025 (administrators: FRP Advisory). The legal entity remains on Companies House at CN 08508165. Historically a revolving-credit and cashflow-facility lender for established UK Ltd companies; existing customer book is being run off through the administration process. Not accepting new applications.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £500k band, decisions land within 24 to 72 hours, and the published rate range is 0.5% to 2.5% per month on drawn balance. Soft search at quote means no impact on your credit file at the eligibility stage. Just Cashflow is FCA regulated.
Where Just Cashflow fits best: reference / historical context only. Where it does not fit: any new business loan need (in administration).
Pricing examples
Worked examples using Just Cashflow's published rate range (0.5% to 2.5% per month on drawn balance). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £34,000 | £1,417 |
| £50,000 | 36 months | £77,000 | £2,139 |
| £100,000 | 48 months | £172,000 | £3,583 |
Indicative only. Confirm on a Just Cashflow quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Any new business loan need (in administration).
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Reference / historical context only.
Pros
- + Historical product fit: revolving facility with interest only on drawn balance.
- + Mid-ticket coverage (£10k to £500k) at the time of trading.
Cons
- − In administration, no new lending.
- − Existing borrowers should contact the administrators (FRP Advisory) for facility status.
- − Not a current option for any UK SMB.
Best for
- · Reference / historical context only
Weak at
- · Any new business loan need (in administration)
When to use Just Cashflow
Use Just Cashflow when
Your application matches the best-fit profile: reference / historical context only. The published ticket range (£10k to £500k) covers your ask, the decision speed (24 to 72 hours) fits your cash-gap timeline, and the rate range (0.5% to 2.5% per month on drawn balance) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Just Cashflow when
Your profile sits in the weak-at list: any new business loan need (in administration). Just Cashflow will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Just Cashflow as a screen.
FAQs
What is the minimum trading time for Just Cashflow?
Just Cashflow typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Just Cashflow require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Just Cashflow is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For revolving credit / cashflow facility specifically, expect a PG to be requested.
How fast does Just Cashflow fund?
Just Cashflow quotes 24 to 72 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Just Cashflow?
Just Cashflow's published range is 0.5% to 2.5% per month on drawn balance. The headline number is rarely the offered number. Rate transparency on this lender scores 0/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Just Cashflow declines me?
If Just Cashflow declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Just Cashflow scores 0/5 on decline handling in our methodology.
Where to apply
Apply directly via www.just-cashflow.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Just Cashflow.
Specialty alternatives
See all lender reviews for alternatives.
Just Cashflow compared head-to-head
Side-by-side breakdowns of rate, ticket band, decision speed, eligibility and best-fit for UK SMEs.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.just-cashflow.com.