How businesses access their future cash, today.

Your trading history, purchase orders and invoices combined can unlock between £50k and £5m.


Funds that flex with
your trading activity


Autopilot transfers available credit to your business account


Interest charges and fees covered by CBILS for 12 months

InstantFlow Cash Account (under CBILS)

Doing business locks up cash. The InstantFlow Cash Account releases money that you are owed.

The account limits flex with the ebb and flow of your invoices, purchase orders and payments, all powered by our unique AI.

How it works

The InstantFlow Cash Account works like a credit card in reverse. You withdraw cash owed to you, and your customers repay it through the account.

Your trading activity boosts your withdrawal limits, up to £5m.

Thanks to  CBILS , the government will pay your InstantFlow Cash Account costs for the first twelve months (through a Business Interruption Payment). Unlike most CBILS products this is not a fixed-term loan, so after that, you only pay for what you use.

Keeping it simple

We’re getting the InstantFlow Cash Account ready, and will be open to applicants in the next few weeks.

Once signed up, we will turn on autopilot. The autopilot automatically transfers any available credit to your bank account, making the whole system as effortless to operate as possible. After all, it’s free for the first twelve months!

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 significant loan for a period of time.

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