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Cash flow “loans” (also called cash flow facilities) are a broad category of loans designed to bridge the gap between when expenses come due and when revenue is collected.
What Is a Cash Flow Loan?
Unlike asset-based lending, which relies on equipment, inventario, or receivables, cash flow lending is primarily based on your company’s ability to generate steady income.
Businesses often use these facilities to cover:
Weekly payroll Inventory restocking Seasonal expenses New project fundingMost lenders still require a lien or collateral filing, such as a UCC-1 in the U.S. or a PPSA in Canada, to protect their interest. That’s why it’s important to ensure the collateral matches the size of the loan.
Backed by the right financing partner, business loans based on cash flow makes it easier to stay focused on daily operations and long-term growth. That’s where Business Factors & Finance helps you keep the momentum going. Póngase en contacto con nosotros hoy to explore cash flow loan options.
Cómo Préstamos de flujo de efectivo Trabajar
Obtenga los fondos que necesita, Cuando los necesitas
Getting started with Business Factors is fast and straightforward. Cash flow loans turn your predictable revenue into immediate working capital, so you can cover payroll, manage operations, and seize growth opportunities without delay.
Así es como funciona:
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Evaluate Revenue & Cash Flow
Your lender reviews your business’s incoming revenue, recurring payments, and overall cash flow to determine how much funding you can access.
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Establish a Credit Line
Based on your projected cash flow, the lender provides a revolving line of credit or a term loan, often advancing 70%–90% of eligible future revenue.
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Retirar fondos según sea necesario
Tap your available line to cover payroll, inventario, or unexpected expenses, or to invest in growth opportunities.
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Repay & Re-borrow
As revenue comes in, funds are replenished in your credit line, creating a continuous cycle of accessible capital whenever you need it.
Costos y tarifas
Understanding the Price of Cash Flow Lending
Business cash flow loans generally cost more than secured options since they’re based on revenue rather than collateral. Lenders typically charge interest and fees such as origination or processing, so clear terms are key to avoiding surprises.
Here’s how different financing options compare to cash flow lending:
Cómo Cash Flow Lending Fees Están estructurados
When reviewing costs, it’s important to understand that cash flow loan fees can be applied in different ways. Two common structures are:
- Interest charged on the outstanding balance
- A fixed repayment schedule tied to projected revenue
Here’s a look at how these structures affect the total cost of your cash flow loan.
EJEMPLO 1: Cash Flow Loan Line of Credit
Su negocio asegura una $100,000 linea de credito (LOC) with an interest rate of 12.5% and a three-year term. Interest accrues and is payable monthly. Adicionalmente, there is a 0.1% monthly fee on any unused portion of the line.
If you draw $50,000 from the line in the first month, interest for that month would be $520.83 (12.5% annual rate ÷ 12 months × $50,000). The unused portion of the line ($50,000) incurs a $50 monthly unused line fee (0.1% × $50,000).
Al final del primer mes:
Interest paid: $520.83 Tarifa de línea no utilizada: $50 Total cost for the month: $570.83As you continue to draw funds or repay the line, monthly interest and unused line fees adjust accordingly. This structure gives flexibility: you pay interest only on the portion you use while maintaining access to your full $100,000 line whenever needed.
EJEMPLO 2: Factoring Arrangement
Your business factors a $10,000 factura con un 96% velocidad de avance, recepción $9,600 por adelantado, mientras $400 se mantiene en reserva. La empresa de factoring cobra un 2.19% cuota mensual ($219), and the arrangement is non-recourse, meaning the business is not responsible if the invoice isn’t collected.
Si la factura se recoge después de 30 dias, la $219 fee is deducted from the reserve, partida $181 released to the business. Dado que el acuerdo es sin recurso, there are no additional charges even if collection takes longer.
Al final del primer mes:
Fees paid: $219 Reserve returned: $181 Total cost for the month: $219Fees may vary depending on the type of factoring, the credit profile of your clients, tamaño de la factura, condiciones, and the number of invoices factored.
Eligibility criteria typically include:
Being in business for at least 6 months Having at least $100,000 in EBITDA Invoices coming from creditworthy clients and not pledged as collateral elsewhereTarifas ocultas y cómo evitarlas
When comparing cash flow loan options, it’s important to look beyond the headline interest rate. Many agreements include additional costs that may seem small but can significantly increase your borrowing expense over time.
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Origination or Processing Fees
Lenders may charge upfront fees for setting up the loan, which can add to your total cost if not clarified in advance.
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Administrative or Service Fees
Extra charges, such as wire transfer fees, loan servicing, or credit review fees, can accumulate, increasing overall expenses.
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Early Repayment or Long-Term Terms
Some business cash flow loans include long-term commitments or prepayment penalties, making it costly to refinance or repay early.
Consejos prácticos para evitar tarifas ocultas
To keep borrowing costs under control and get the most value from a cash flow loan, considere estas estrategias:
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Aclare todas las tarifas por adelantado
Ask for a full breakdown of interest, origination, administrativo, and any potential prepayment or servicing fees before signing.
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Choose a Transparent Lender
Work with lenders known for clear pricing, practicas justas, and positive client reviews to reduce the risk of unexpected costs.
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Monitor Loan Activity and Payments
Keep track of how repayments are applied and ensure your revenue reporting aligns with lender requirements to avoid unnecessary fees or disputes.
Por qué su negocio Needs Cash Flow Loans
Transform Predictable Income Into Business Momentum
If your business has consistent revenue or recurring cash flow but faces short-term funding gaps, cash flow lending provides the capital to cover expenses, pagar a los empleados, y mantener las operaciones funcionando sin problemas.
Cash flow lending isn’t a last-resort option; it’s a flexible financing solution that leverages your incoming revenue to unlock working capital. Instead of waiting for payments or being constrained by cash shortages, you gain immediate access to funds to reinvest in growth or seize new opportunities.
Mejor de todo, cash flow lending grows with your business. As your revenue increases, your borrowing capacity can expand, giving you the flexibility to scale without unnecessary limits.
Don’t let predictable revenue sit untapped. Use cash flow lending to keep your business agile and moving forward.
Industrias que se benefician Préstamos de flujo de efectivo
Industries That Benefit From Cash Flow Lending
Here’s how cash flow lending solutions help businesses across these industries overcome funding gaps and maintain financial stability.
Facturación de facturas de flete y transporte por carretera
dotación de personal, Factoring Laboral y de Nómina
Financiación de fabricación
Factoring de producción agrícola y alimentaria
Financiamiento de tecnología y TI
Financiamiento de petróleo y gas
¿Qué modelo? Se adapta a las necesidades de su negocio?
Both cash flow lending and asset-based lending (ABL) provide fast access to working capital, pero difieren en flexibilidad, riesgo, y cómo determinan la capacidad de endeudamiento.
Préstamos de flujo de efectivo
Lending activo basado (ABL)
Cash flow lending allows businesses to access a revolving line of credit or term loan based primarily on predictable revenue or recurring cash flow. Funding is based on your business’s ability to generate income rather than relying on physical assets or collateral.
Benefits of Cash Flow Lending
Some key features include:
- Fast access to working capital without waiting for payments or relying on assets.
- Approval is based on predictable revenue or recurring cash flow, not physical collateral.
- Flexible repayment schedules that adjust as revenue is collected.
Ideal for businesses with steady, recurring income that need short-term liquidity.
Common Risks Associated With Cash Flow Lending
A pesar de sus beneficios, business loans based on cash flow also has challenges:
- Interest rates may be higher than asset-backed financing.
- Lenders evaluate overall revenue consistency, so volatile income may limit borrowing capacity.
- Over-reliance on cash flow lending can create dependency if revenue slows unexpectedly.
- Lines may be reduced or frozen if revenue projections are not met.
Los préstamos basados en activos son una línea de crédito renovable garantizada por los activos de su empresa., como cuentas por cobrar, inventario, o equipo. Unlike cash flow lending, ABL uses the value of these assets to determine your borrowing capacity.
Beneficios de los préstamos basados en activos
Algunas ventajas clave incluyen:
- Proporciona flexibilidad, ongoing access to capital as your assets grow.
- Typically offers lower financing costs than cash flow based loans.
- Keep customer relationships private since collections remain under your control.
- Permite endeudarse contra una amplia gama de activos., not just revenue.
Riesgos comunes asociados con los préstamos basados en activos
While ABL offers flexibility, también tiene desafíos:
- Requires strong internal financial reporting and frequent collateral audits.
- Approval is stricter, focusing on asset quality and business financial stability.
- Borrowing capacity fluctuates based on the value of pledged assets.
- Failure to maintain collateral value can reduce available credit or trigger repayment.
Leverage Future Income for Funding Hoy
Traditional financing can be slow and limiting. Cash flow loans from Business Factors & Finance give you fast, flexible funding based on your revenue stream, without unnecessary delays.
Connect with our team today and discover how to turn predictable cash flow into opportunity.
Preguntas frecuentes
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Is cash flow lending a loan?
Sí. Cash flow lending is a type of financing that provides access to working capital based primarily on your business’s predictable revenue or recurring cash flow, rather than physical assets or collateral.
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¿Qué pasa si mi empresa no puede pagar el préstamo??
Repayment is typically structured around your revenue streams. If payments are missed, lenders may adjust terms or temporarily reduce your available credit, but they generally do not take physical assets since the loan is unsecured.
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Will using cash flow lending make my business look financially unstable?
De nada. Many growing businesses use cash flow based loans to maintain smooth operations, manage payroll, and fund growth without adding traditional debt. It’s considered a smart and flexible financing tool.