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Cash Flow

Cash Flow

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Cash Flow

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About iwoca

iwoca is one of Europe's leading non-bank lenders. Since 2012, we've lent over £4.5 billion to 100,000 small and medium-sized businesses in the UK and Germany.

iwoca has won a number of awards, including Moneynet's best small business lender (2024) and best small business provider (2025). We've also been featured in major media outlets including The Independent, Forbes and the Financial Times.

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Retail businesses

Understanding retail demand planning: avoiding stockouts and maximising sales
How to grow your online business
Cash Flow Management in Retail: Challenges and Strategies for Retailers
How to start an online business without inventory
Retail Business Loans: Accessing Finance to Boost Retail Growth
How to start a dropshipping business in the UK
E-commerce business challenges: VAT registration and pricing
How to Start an Etsy Shop: A Step-by-Step Guide for UK Entrepreneurs
Starting a retail business in the UK: understanding your year-one costs
E-commerce business challenges: going for sole trader or limited company

Finance explained

A guide to personal guarantees
Why improving the working capital cycle matters for businesses
How to reduce business costs and operate more efficiently
Business debt consolidation: how and when to pay off existing debts
Comparing the best start-up bank accounts in the UK
Working capital ratio
Working capital management advice for small businesses
From finance to freeholds: how to run a pub or bar
Benefits of an operating lease
How to build business credit
Sources of finance for UK businesses
Comparing the Best Small Business Bank Accounts in the UK

Business lenders

Starling Bank business loans
HSBC Business Loans: Rates, Eligibility and Alternatives
Santander Business Loans: Features, Costs and Alternatives
RBS Small Business Loan: Features, Costs and Alternatives
Capital on Tap Review: Features, Fees & Alternatives
Metro Bank Invoice Financing: What You Need to Know
eBay Loans: Financing and Alternative Options for eBay Sellers
Shopify Loans: financing and alternative options for Shopify store owners
Understanding NatWest’s business overdrafts
Understanding Monzo business overdrafts

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Cash Flow

Why improving the working capital cycle matters for businesses

Explaining the working capital cycle, its importance in operational efficiency and cash flow, plus how to improve your cycle.

How to reduce business costs and operate more efficiently

Cash flow management for construction businesses

Understanding management accounts and how they can help you

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How to claim back VAT: a step-by-step guide

Explore how UK businesses can claim back VAT, what you can reclaim it on and the limitations to be aware of when reclaiming tax paid.

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What is a cash flow statement?

Cash flow statements are an integral part of business success. We take a look at key terms, formatting methods, and show you where you can find free templates.

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Operating cash flow (OCF): Definition, Ratio and Formula

Operating cash flow is often considered the lifeblood of any business. We discuss how you can improve it and share a formula you can use to calculate it.

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How to project business cash flow

We discuss the factors that impact business cash flow, how to plan ahead, and software that can improve performance.

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Cash flow management

Cash flow management is crucial when launching a business. We look at some of the steps you can take to increase your cash flow performance.

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What is net cash flow and why does it matter?

Net cash flow is the difference between monetary incomings and outgoings. We look at why it matters to businesses and how to calculate it.

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How to solve cash flow problems in your business

Learn about the common causes of cash flow problems for UK businesses and how to address them with strategies and finance solutions.

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How to calculate discounted cash flow

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Understanding free cash flow (FCF): Definition, Formula and Examples

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Free Cash Flow Forecast Template for Small Businesses

Learn about the benefits of cash flow projection and the factors that impact cash flow, plus download iwoca’s cash flow forecast template.

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Borrow £1,000 - £1,000,000 to buy new stock, invest in growth plans or just keep your cash flow smooth.

  • Applying won’t impact your credit score
  • Get an answer in 24 hours
  • Trusted by 150,000 UK businesses since 2012
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