Doing business locks up cash. An InstantFlow Cash Account uses your trading history, purchase orders and invoices to unlock between £50k and £5m when you need it.
How it works
Every day, our AI sets the withdrawal limit for your account, up to an agreed maximum. You can then transfer your cash into your business bank account and use it to run your company.
Your trading (purchase orders, invoices and credit notes along with your history) determines your withdrawal limit. The limit will flex up and down as goods and services go out your door.
Your customer(s) payments come through us and automatically reduce the amount of credit you are using. We pass on any excess when your customer payment arrives.

Payments and withdrawals
Once signed up, we will turn on Autopilot. Autopilot transfers any available cash to your business account, making the whole system as effortless to operate as possible. After all, it’s free for the first twelve months.
You will also be able to turn Autopilot off and manually withdraw your cash.

Fees and interest rates
Thanks to the Coronavirus Business Interruption Loan Scheme (CBILS), the UK Government will pay your InstantFlow Cash Account costs for the first twelve months (through a Business Interruption Payment).
When the Business Interruption Payments end, you will be charged interest on the drawn amount. There are no other admin fees, facility fees or hidden costs.

No extra admin
You deal with your customer(s) the same as today, sending purchase orders, invoices and credit notes directly to their team for processing. With your permission, we get the data from their systems.

Cancel any time
This is not a fixed-term loan, so you only pay for what you use, and you can cancel at any time.
The Coronavirus Business Interruption Loan Scheme (CBILS)
InstantFlow Cash Account
The InstantFlow Cash Account is a revolving credit facility that allows your business to benefit from the Coronavirus Business Interruption Loan Scheme without taking out a fixed-term loan.
CBILS and the British Business Bank
The Coronavirus Business Interruption Loan Scheme (CBILS), delivered through British Business Bank accredited lenders and partners, is designed to support the continued provision of finance to UK smaller businesses (SMEs) during the Covid-19 outbreak. The scheme enables lenders to provide facilities of up to £5m to smaller businesses across the UK who are experiencing lost or deferred revenues, leading to disruptions to their cashflow.
It supports a wide range of business finance products, including term loans, overdrafts, invoice finance and asset finance facilities. Please note that for term loans and overdrafts, the minimum amount a lender can offer under CBILS is £50,001.
Eligibility criteria
Smaller businesses from most sectors can apply for the full amount of the facility. To be eligible for a facility under CBILS, your business must:
- Be UK based, with turnover of no more than £45m per year.
- Have a need which, were it not for the current pandemic, would be considered viable by us
- Self-certify that you have been adversely impacted by the Coronavirus
The following businesses are not eligible:
- Banks, Insurers and Reinsurers (but not insurance brokers);
- public sector bodies and;
- state funded primary and secondary schools.
Further information
Up to £5m facility
The maximum value of a facility provided under the scheme is £5m, available on repayment terms of up to six years.
No guarantee fee for SMEs to access the scheme
No fee for smaller businesses.
Interest and fees paid by Government for 12 months
The Government will make a Business Interruption Payment to cover the first 12 months of interest payments and any lender-levied fees1 , so smaller businesses will benefit from no upfront costs and lower initial repayments. (Fishery, aquaculture and agriculture businesses may not qualify for the full interest and fee payment.)
Finance terms
Finance terms are up to six years for term loans and asset finance facilities. For overdrafts and invoice finance facilities, terms will be up to three years.
Guarantee to the lender
The scheme provides the lender with a government-backed, guarantee against the outstanding facility balance. The borrower always remains 100% liable for the debt.
Principal Private Residence (PPR)
A borrowers/guarantors PPR cannot be taken as security to support a Personal Guarantee or as security for a CBILS- backed facility.
Liability
The borrower always remains 100% liable for the debt.
No personal guarantees for facilities under £250k
Personal guarantees of any form cannot be taken under the scheme for any facilities below £250k.
Personal guarantees for facilities above £250k
Personal guarantees may still be required, at a lender’s discretion, but recoveries under these are capped at a maximum of 20% of the outstanding balance of the CBILS facility after the proceeds of business assets have been applied. A Principal Private Residence (PPR) cannot be taken as security to support a personal guarantee or as security for a CBIL backed facility.
Security
For all facilities, including those over £250,000, CBILS can now support lending to smaller businesses even where a lender considers there to be sufficient security, making more smaller businesses eligible to receive the business interruption payment
The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS). British Business Bank plc is wholly owned by HM Government and is not authorised or regulated by the Prudential Regulation Authority (PRA) or the Financial Conduct Authority (FCA). Full details on CBILS and the list of participating CBILS lenders can be found on the British Business Bank website at: www.british-business-bank.co.uk/CBILS