Finance your cash flow, stocks, working capital ..., quick and easy financing for VSEs / SMEs

Final response within 48 hours No guarantee required Quick release of funds No prepayment charge

Finance your company's cash flow through crowdlending

A temporary decline in activity? Late payments? Boost your cash flow with crowdlending. An alternative to bank credit that allows you to regain control of the situation quickly.

Corporate treasury: what is it?

The term corporate treasury refers to all cash available in cash or in bank. This cash flow is calculated on the basis of the cash balance, bank accounts and postal checks. But it excludes future expenses (salaries, rents, purchases, etc.) as well as unforeseen events (absence of staff, renovation work, etc.).

Company cash is, in other words, the “cash” it can have no matter what, even if banks stop lending almost immediately.

Good cash flow is the oxygen for SMEs! Without it, the company risks suffocation, then death!

Cash Flow Problems: They Can Affect Any Business!

To maintain balance, any structure must live with a positive cash flow. It is even one of the constant concerns of business leaders.

But today, certain causes can jeopardize this balance. For example, the failure of a customer late in paying his bills, the momentary slowdown in activity or even recourse to self-financing.

These cash flow problems, due to a time lag between cash inflows and outflows, can affect all types of businesses, whatever their field of activity or size. This is why this situation must be anticipated as soon as possible.

Cash loan: what banking solutions?

Various solutions have been put in place by banks to help businesses deal with a cash flow problem. The latter can negotiate with their bank:

  • overdraft facilities or a one-off credit, in order to compensate for a momentary gap between expenditure and income

  • an overdraft for a longer-term need

  • an advance of funds , via the assignment of professional receivables, discounting or factoring

A “campaign credit” can also be granted to businesses with seasonal activity. This solution makes it possible to face significant cash flow requirements for several months. The reimbursement is then made over the sales made during the period of high activity.

SERVECO borrowed $ 50,000 over 24 months
Funds were paid in 2 hours

What solutions for BPI France?

Created under the mandate of François Hollande, the BPI is the public investment bank. It grants loans to companies, more particularly to industrial companies, which stand out for their strong innovation, or even to exporting SMEs.

If you fall into one of these categories, the BPI can grant you a loan to finance your business cash flow. In practice, the receivables are assigned to BPI France which makes the advance in exchange. Once the bills are paid, the loan is then repaid.

Some companies are excluded from the system, in particular self-employed people.

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The financing stages on

  • 1. Test your eligibility (60 seconds) Fill in your information and accompany your request with your latest assessments.
  • 2. Analysis of your loan request (48 hours) Our analysts will contact you to further develop the development project.
  • 3. Online collection (7 days) Gain visibility with our large community of lenders.
  • 4. Release of funds (24 hours) The collection is complete, we release the funds to your bank account.
  • 5. Repayment of lenders (Duration of the loan) takes a monthly installment from you to redistribute it directly to your lenders.

Crowdlending to finance business cash flow

Developing considerably since 2014, crowdlending is a new financing formula intended for individuals and businesses. This is based on the principle of the participatory loan. For entrepreneurs, crowdlending is the opportunity to find a quick financing solution for a cash need . After transmission of the file, crowdlending platforms give an answer within 2 to 3 days. Via this system, the company can therefore continue to move forward, with less stress.

Discover, French leader in crowdlending

Need to finance your business cash flow needs ? Get a loan thanks to crowdlending with Breathe and continue, thus developing yourself. offers you loans between $ 20,000 and € 2.5 million from 12 to 60 months. Entrust your fundraising project to a community that chooses to support you. guarantees you a quick response within 48 hours . Apply for a loan without having to travel and save precious time.

No personal deposit is required. Take advantage of competitive rates and free insurance!

Interested in the crowdlending formula for a business cash loan?

Questions answers

With, the acceptance process is simplified as much as possible: online loan request and final response in less than 48 hours. No personal deposit or guarantees required. At, we eliminate excessive bureaucracy, and we trust you!
Your company must have more than 3 years of seniority, achieve more than $ 150K in turnover and have positive equity.
You can borrow from $ 20,000 to $ 2,500,000.
The terms offered by range from 12 months to 60 months.
Our credit analysts calculate this rate by taking into account the duration of the loan and the risk of the project to make several proposals for durations.
After uploading your project to our website, allow around 7 to 10 days to receive the funds in your bank account.
Like a bank loan, each month you will repay the lenders (principal + interest) for the duration of the loan. Our partner S-Money takes care of everything. Make sure your bank account is fully funded before each monthly withdrawal.