What is Cash Flow Capital
Cash Flow Capital is an alternative lending company headquartered in Pretoria, Gauteng. Cash Flow Capital was created by two brothers after they discovered that traditional financial institutions were not meeting the capital needs of small-sized businesses. Traditional funding methods through banks have inconvenient and lengthy lending processes that can take months. Even then, the approval rate is extremely low. Cash Flow Capital found a simple solution.
At Cash Flow Capital, you'll receive a financing solution that's tailored to your unique business needs. Whether your business needs Working Capital or Alternative financing, you'll always have a business partner in Cash Flow Capital.
How does Cash Flow Capital work?
Here’s how Cash Flow Capital works: First, take five minutes to apply online with some basic information about your business. Once approved, you can review your offer and term for your cash advance. Afterwards, funds will be transferred within 24–48 hours from the time your application is submitted. As simple as that.
Why should I choose Cash Flow Capital?
We want to make business lending as easy and transparent as possible. Along with some of the industry’s best rates, we also offer:
Accessibility: We generally approve applications on the same day, and we can arrange for you to get your funds within as fast as 24 hours.
Efficiency: Our online application takes just a few minutes. No, seriously!
Flexibility: Our terms are flexible. We offer a customized payment schedule depending on your solution and individual business needs. We also don’t place restrictions on the funds that you receive. Need to renovate? Or expand your inventory? You can use your funds for whatever you need.
Ready to apply? Fill out our online application and get funded today!
What kind of financing solutions does Cash Flow Capital offer?
Cash Flow Capital offers a variety of financing solutions for small businesses. We currently offer financing solutions including Working Capital, Consolidation, and Alternative Working Capital solutions. Businesses that we back use funding for different business purposes. These include:
Replenishing inventory Business, Renovation/expansion Paying off existing debt, Improving business credit, Growing marketing efforts, Purchasing new equipment/materials and Operational capital/General cash Flow.
What is Working Capital?
Working Capital is money available to a company for day-to-day operations. Working Capital is a great alternative for small businesses to continue their daily operations despite an inability to cover operating expenses. Generally, a Working Capital injection requires no collateral, no down payment, has quick approval times and no limits to what your funds are used for. At Cash Flow Capital, we take it one step further by offering a discount if you were to settle your payments early.
How long does it take for my Working Capital injection to be approved?
Generally, Cash Flow Capital can provide feedback within 24 hours of receiving an application. However, we sometimes require additional documentation to support the application.
How long does it take to pay back my Working Capital injection?
The payback period of our advances ranges between 4 to 12 months. Business loans and advances could also have terms that are either longer or shorter, depending on the needs of our clients.
What can I use my Working Capital for?
Our business advances are unsecured and can be used for any business purpose, including Working Capital, stock purchases, cash flow and business expansion.
How long does it take for my business cash advance to be approved?
Generally, Cash Flow Capital can provide feedback within 24 hours of receiving an application. Take note that sometimes we do require additional documentation to support an application.
What is Consolidation?
Consolidating business debt from multiple Working Capital providers is a way to streamline your debt repayment into a single payment. Cash Flow Capital will pay off the other providers, so you only make payments to one company.
What is the application process like?
Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online, and we'll let you know if you pre-qualify for your needed solution. Tell us how you plan to use your funds and provide financial information about your business and its owners. Upload requested documents to complete your application. We'll review your financials to confirm your business has the cash flow to afford loan payments. Funds can then be in your bank account as fast as the same day your application is completed.
How do you determine my rate?
Your interest rate will be determined based on our proprietary underwriting process. Our underwriters consider factors including affordability, credit scores, and financial analysis.
What information do I need for the application?
In order for our underwriters to qualify your business for a certain financing solution, we will need the following documents: Application and previous three months bank statements. Further documentation, such as your financials and your lease agreement will be needed when we conclude the contract.
How quickly can I get my funds?
Generally, funds can be deposited into your account within 24 hours.
Do you provide funding for startups or new ventures?
Unfortunately, we do not provide venture capital or personal loans for new ventures.
What are the basic requirements?
Cash Flow Capital offers a variety of financing solutions for your small business. For your business to qualify for Cash Flow Capital financing, your business must meet the following requirements: Minimum 6 months in business, must be a "for-profit" business and have a minimum monthly revenue of R300,000.00
Does Cash Flow Capital serve business in nationwide?
We are currently funding everywhere in South Africa.
What industries are eligible?
At this time, we are unable to serve non-profit organizations, construction companies or logistics companies.
What security do I have to provide?
Cash Flow Capital advances are unsecured. We are diversifying our current offering and, we can provide you with secured loans or asset-backed finance.
What type of businesses qualifies for a business cash advance?
You should have an existing business that has been operational for more than 6 months. Additionally, your sales should be more than R300k per month. Unfortunately, we do not provide venture capital or personal loans for new ventures.