Universal Asset Finance

Cash Flow Finance

If your business needs a cash flow boost, then this could be the perfect product for you. Whether you’re looking to expand your premises or workforce, take your company to the next level or cover an unexpected bill, cash flow lending is the ideal solution

or call 01865 570880

Why Your business may consider cash flow finance

Emergency finance

You may require an injection of emergency cash

Business needs

You may require unplanned finance over a temporary period to make a quick investment in equipment or for other business needs


To expand your business and seize future opportunities

Competitive Advantage

To give your business a significantly better competitive footing which could open up further possibilities and potentially acquisitions

Ready to have your business financed?

We offer a variety of cash flow finance options. Find out more about how we can help below.

- Invoice financing
- Secure & unsecure business loans
- Merchant cash advice

Your finance options


Secure & Unsecure
business loans

cash advice

Invoice Finance

Improve the cash flow of your business with fast invoice payments. Taking out invoice finance frees up your working capital. Giving you the time to invest in your growing business, without wasting valuable time chasing invoice payments, or the stress and financial burden of trying to recover payments in court. Invoice your clients – Raise a commercial invoice and send it to your client, copying in the finance provider.

How does invoice finance work?

• Receive up to 90% payment. The finance provider will pay you an agreed percentage of the invoice payment, typically within just 24 hours

• Receive your outstanding payment – Once the finance provider has received the full payment from the client, within the agreed payment terms, you will receive the remaining percentage, minus any applicable interest or fee ​When you purchase an invoice finance option, the finance provider takes responsibility for up to 90% of the debt owed to you by your clients. The process can be arranged confidentially. Clients do not need to be informed of any third party involvement.


• Regular and substantial boosts to your cash flow • Immediate cash advances on your existing invoices • A flexible, tailored service with full confidentiality if required – clients do not need to be informed of any third party involvement • Immediate access to your money – up to 90% of your invoice payments will be paid quickly, typically within 24 hours • No more time wasted chasing late payments

Secure & Unsecure Business Loans

If you’ve seen an opportunity for your business and you’re looking for a business loan, we can help. Business loans can help with working capital, asset purchase, liability payments, expansion and growth.

At Charles & Dean we work closely with the UK’s leading providers of loans. Business loans are an efficient and effective way to raise finance for almost any purpose. Working with Charles & Dean cuts out the costs and complexity of dealing with banks and their credit applications.

You can get an affordable loan for your business in as little as one week.

• Unsecured loans up to £350,000
• Interest rates starting at 4.9%
• Decision in 2 working days
• Term from 6 months to 5 years
• No early repayment fees

Merchant Cash Advice

Merchant Cash Advance (MCA) is a relatively new and innovative concept within business finance.

Any business who uses a card terminal linked with a card terminal provider, has the opportunity to borrow a percentage of their monthly takings through an MCA.

• Fast and straightforward
• Flexible finance
• No valuable assets required
• Easy repayments through the card terminal provider
Flexible financing for you

Interested in our financing?