Flo Group (Cash Flo) Invoice Finance
Cashflo is Flo Group's invoice finance for UK temporary recruitment agencies. Flo says it advances up to 100% of the invoice value, funds invoices weekly, runs credit control for you and includes bad debt protection insurance as standard. It does not publish its fees or a minimum facility size.
What this page covers
This page covers
What Flo Group publishes about Cashflo recruitment finance, who it is for, and other recruitment funders
Not covered here
General invoice finance education (see /guides/), recruitment sector page (see /industries/), the full provider directory (see /providers/)
Key Facts
How Cashflo works
- Flo advances up to 100% of the invoice within days, and funds invoices every week so you can meet payroll.
- Flo runs credit control and chases your clients for payment.
- Every invoice it funds is backed by credit insurance, which Flo says reduces your exposure if a client does not pay.
- When your client pays, Flo pays you the balance minus its fees.
Flo also sells Dataflo (pay and bill software for temp recruiters), Workflo (outsourced back office and payroll) and Fullflo, a joint venture model for new agencies. You do not have to take these to use Cashflo. Flo says it began in 2013 as a CRM software provider and widened into back office and funding from 2016.
Sources: Flo's Cashflo page and about page, read 14 Oct 2026.
Who it suits
Cashflo is built for agencies that supply temporary staff and pay them weekly while clients pay later. If you also want software and payroll from one supplier, Flo offers all three. If you place only permanent staff, or you are not a recruitment business, this is not the product for you.
How it compares
Sonovate also funds recruitment businesses. The others are general invoice finance lenders that publish some of their terms.
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Sonovate | No minimum | Up to 100% | sonovate.com |
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Time Finance | None published | Up to 90% | timefinance.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Questions to ask before you sign
- What is the fee, and is it charged on the invoice value or on the money advanced?
- Is the 100% advance available on every client, or only on clients the insurer approves?
- What happens if a client pays late but does not go bust?
- How long is the minimum term, and what notice do I need to give to leave?
Official site: Flo Group
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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