Recruitment Invoice Finance & Funding

Fund your growth
with confidence.

Unlock weekly funding. Protect your margins.

Whether you’re scaling fast or navigating slower client payments, Cashflo gives you financial flexibility without hidden fees

Flexible finance, built for recruitment

Lack of working capital shouldn’t hold your agency back.

Cashflo is Flo Group’s fully-integrated invoice finance solution, purpose-built for temp recruitment agencies that need fast, flexible funding.

We fund your invoices weekly so you can meet payroll, stay on top of VAT, and invest in growth – without waiting for client payments.

Key Features:

Up to 100% weekly invoice advances.
Bad debt protection insurance included as standard.
PAYE and VAT reserves built in.
Transparent pricing.
Seamless integration with Workflo and Dataflo.

Who it’s for

Whether you’re struggling with slow payments, planning a growth phase, or simply tired of juggling cash every week, we’ve got your back.

Use Cashflo to:

Cover payroll every week, without delay.
Manage VAT and HMRC obligations with built-in reserves.
Eliminate late payment stress and client cashflow dependency.
Grow faster without sacrificing control or equity.

Why Cashflo works

Weekly access to working capital
No waiting. No chasing. You get up to 100% of invoice value every week.
Bad debt protection built in
Every invoice we fund is backed by credit insurance, reducing exposure to client non-payment.
Designed for temp agencies
Cashflo was built for your industry, not bolted on from generic lenders.
Plug-and-Play with other Flo services
Connects directly to your payroll and admin via Dataflo and Workflo for a smoother funding cycle.

How it works

Step 1

You invoice your client as usual

Step 2

Cashflo advances up to 100% of the invoice within days

Step 3

We manage credit control and chase the debt for you

Step 4

The balance is paid to you once the client settles (minus fees).
Funds are released weekly.
Built-in compliance and controls.
Simple, transparent terms.

Ready to fund growth, not chase payments? Speak to us today

Proof that speaks volumes

“As a smaller independent I was impressed by the care and attention the Flo management and the customers care team offer. We were not just treated as a number but as a valued customer. I have often asked for advice and assistance on the systems and Flo always offers fantastic customer experience and support.”

Elle-Louise Tucker

Zoom Recruitment
“As a start-up, finding the right CRM partner was critical for us – and we couldn’t be happier with our decision. From day one, the team at Flo have gone above and beyond to support us, providing a system that is not only incredibly user-friendly but also packed with all the functionality we need to run efficiently.

The CRM has streamlined every aspect of our operation and having everything in one place has saved us time, reduced errors, and allowed us to focus on growing our business with confidence.

What truly sets them apart is their constant support – no query is too small, and their responsiveness and willingness to help has made a huge difference in our early growth. We genuinely see them as a partner in our success, not just a service provider. We couldn’t recommend them more highly.”

Charlie Shepherd

Director / SHD Recruitment
“I have worked with Flo since opening my business. I am a start-up and although coming from a recruitment background I certainly wasn’t great at the back office side of things and without Flo I honestly don’t know what I would have done to navigate everything.”

Tanya Lowe

Director at Always Recruitment Limited
“Having worked in recruitment for over twenty years, I have used many CRMs and worked with various back office partners. Flo, however have combined a fantastic end-to-end back office solution; a superb CRM, supported by a team who understands our business.”

Lisa Baker

Director – Baker Recruitment Group
“Carro Recruitment has worked with Flo for the last couple of years and I have enjoyed this journey with them. I am far from being their biggest client but they treat me as though I am with all the support and guidance, and most of all the trust they give me which has helped me grow to achieving the results I never dreamed I would. The back office and funding support has been like having my own team and I am excited about working with you moving forward.”

Matthew Lowman

Director, Carro Recruitment
“I would highly recommend Flo to any company who needs to install a database that covers everything from a work plan to full payroll download. It is simple to use, easy to access from outside of the office and the help and support is superb. Flo is the solution for simplicity in a database and holding information safely.”

Lorraine Webster

Advanced Logistics Recruitment
“We’ve been with Flo Group since 2020, and without a doubt, they’ve been instrumental to our growth journey. From day one, they brought structure, professionalism, and a real partnership approach. With their software, we were able to eliminate many manual processes and build solid compliance into our daily operations. The back office team took the pressure off with administration and payroll support, letting our team focus on growth and client delivery. And Cashflo gave us the working capital and confidence to take on larger contracts without worrying about invoice cycles. But it’s not just the services – it’s the people. The Flo team genuinely cares.”

Lee Stothard

Director – Pennine Recruitment Limited
“They’re always happy to take calls and respond quickly to our queries. We have been working with them for 8-9 years now and there’s a reason why we haven’t changed.”

Jason Whittenham

Founding Partner, Kenect Group Holdings
“Flo offered a one-stop shop for all my business needs from end-to-end recruitment software to payroll, back office, and funding. What this has enabled me to do is focus on those things that really add value to my business such as developing a great pool of quality candidates and working closely with my clients to support their requirements, often at short notice. Working with Flo has helped to reduce my admin time significantly which has made a really positive impact on my agency.”

Nassar Zafar

Director at SC Civils and Construction Ltd