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Cash Flow Financing

Get the funding you need with your cash flow, not your assets.

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Key Highlights
Fast and flexible funding
Funding Amount
$100K to $10M
Flexible Terms
Tied to revenue cycles
Time to Fund
24 to 48 hours
Trucks driving on a roundabout showing how cash flow financing fuels growth
What is it?
Cash flow financing fuels growth

Cash flow financing gives you upfront funding based on how your business performs, not how much collateral coverage you have.

It’s designed for companies that are scaling fast and need capital that keeps up. You’ll repay over time in a way that matches your revenue cycle, so payments stay manageable and reflect how your business is doing each given week or month.

If you want capital that moves as fast as your business, this could be your ideal financing option.

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why get it?
Funding at your pace

Get an immediate influx of growth capital—no restrictions, no collateral.

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Unlock funding fast

Get capital based on cash flow, not assets.

Personalized payments

Repay through flexible terms tied to your revenue cycle.

Keep your ownership

Fund growth without sacrificing equity.

Use without restrictions

Tap into funds for any business-related expenses.

Business line of credit vs Cash flow financing

What’s the difference between a line of credit vs cash flow financing? Here’s a quick breakdown:

feature
feature business line of credit Cash Flow financing
Type Revolving credit Lump sum funding
Type
feature: Type
business line of credit: Revolving credit
Cash Flow financing: Lump sum funding
Payments Weekly and monthly Weekly and monthly
Payments
feature: Payments
business line of credit: Weekly and monthly
Cash Flow financing: Weekly and monthly
Flexibility Withdraw as needed Fixed funding, flexible repayment
Flexibility
feature: Flexibility
business line of credit: Withdraw as needed
Cash Flow financing: Fixed funding, flexible repayment
Cost Interest only on outstanding amount Flat cost, no prepayment penalties
Cost
feature: Cost
business line of credit: Interest only on outstanding amount
Cash Flow financing: Flat cost, no prepayment penalties
Linda Luke
Owner, The Village Gardens, Inc

Funds as you need them, when you need them

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your eligibility
Have these two?
You’re set

At National Business Capital, there’s no business credit score requirement. We focus on your performance and potential, not outdated financial metrics

  • Annual Revenue: Your business must generate at least $500,000 in annual revenue. If your company has consistent earnings, this solution can be an ideal fit.
  • Time in Business: At least 1 year in business. Established businesses with consistent sales cycles can qualify faster.
Check Eligibility

Not a match? Check out your other options

What do I need to PROVIDE?
Required documents

Have this information on hand and you’re all set.

Funding Under 150K

  • Business formation documents
  • Bank statements (6 months)

Funding Over 150K

  • Business formation documents
  • Bank statements (6 months)
  • Business tax returns
  • Financial statements
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FAQs

Businesses that need fast access to capital and have steady revenue streams are ideal candidates. It’s best for companies that:

• Want to invest in growth opportunities without taking on traditional debt.
• Experience seasonal revenue cycles or delayed payments.
• Need working capital but don’t want to offer equity or collateral.

There are two main types:
• Term-Based Financing: You receive a lump sum and repay it over a set schedule—usually with fixed payments tied to your cash flow outlook.
• Revolving Credit Access: A flexible credit line you can draw from as needed, with repayments based on your usage and available cash flow.

Cash flow financing gives your business access to capital based on how your business performs, not your asset coverage.

Here’s how it plays out in the real world:

• Construction: You win a new contract but haven’t been paid for the last one. Cash flow financing bridges the gap, covering materials, permits, and payroll so you can keep building without delays.
• Wholesale/Distribution: You need to place a bulk inventory order before peak season hits, but your last shipment hasn’t been paid for yet. Cash flow financing lets you move now, not later.
• Manufacturing: A big order comes in, but you need to fund the production run before receivables from the last job arrive. This financing helps you keep production rolling.
• Transportation: You land new delivery zones and need to onboard drivers and prep vehicles fast. Instead of waiting on invoice payments, cash flow financing keeps you moving.

• Construction: Covers upfront costs while waiting for contract payments.
• Wholesale & Distribution: Helps manage large bulk purchases and supplier payments.
• Transportation & Logistics: Ensures stable cash flow for fuel, maintenance, and new routes.
• Manufacturing: Supports equipment purchases and large production runs.

Yes! When you apply through National Business Capital, you can receive funding on a timeline that fits your business needs, often within 24-48 hours.

Let’s talk funding
Get the capital you need to grow your business

Ready to take the next step? Let’s get you funded.

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