What is the Cloudfloat story

About Cloudfloat


Banking is necessary, banks are not!


Bill Gates (1994)

We know cashflow is the lifeblood of your business

Cloudfloat asks the question, how badly did the banks break small business financing today? At the heart of the relationship between the banker and the business is fast and simple payments process with super quick access to the cashflow that enables the businesses to survive and grow. From working capital liquidity to de-risking late invoice payments, we believe the experience can be solved with technology.

Cloudfloat is a result of frustrations from a broken system. Supplier payment credit terms are getting shorter and shorter. Gone are the old days of 60 or 90 day terms. But waiting for payments from customers seems to get longer and longer. Banks are always trying get away with charging hidden fees, slow application processes all while your businesses working capital seems trapped that you can't re-invest in your business when you need to.

So, we decided to build something to fix this. Something a bank should have done


Financing and paying suppliers should be available on demand


Cloudfloat is modernising and eliminating the need for businesses to provide payment credit terms. Cloudfloat is revolutionising the way businesses buy from each across their supply chain. We enable you to turn any invoice you need to pay in to buy now, pay later instalment finance. This way of using finance for the transactions you need and the method of installment payments is ideal to manage your cashflow needs. We've made the process quick and easy to support the needs of today's business.

We’re not a factoring company, a loans company or a bank. We are a technology company focussed on providing innovative and honest for of business finance like solutions to address the needs for small to medium businesses. We’re here to support businesses who continue to search for new ways of working and better experiences in their every day journey of building their own business.

Our passion for difference

At the core of what drives us is our values:


Welcome to a new type of a business finance. Welcome to Cloudfloat.


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With Cloudfloat, you can take control of your cashflow. Because your business matters.