Pulse Cashflow Finance (formerly Calverton Finance) – reviews, analysis and fees

Last updated on 10 August 2023

Pulse Cashflow Finance is a new business identity that has arisen following the acquisition and merging of Calverton Finance and Calverton Business Support.

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This lender offers two fundamental products to business customers; invoice financing, which enables you to release a substantial percentage of funds owed on an outstanding invoice in advance to ease concerns with cash flow, and trade finance, in which Pulse Cashflow Finance will purchase goods and assets up-front that your business invoices customers for.

The latter must be used in conjunction with invoice financing. Pulse Cashflow Finance can be an invaluable resource for any business that is concerned about meeting operating costs while trading in large sums on an invoice credit basis.

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Pulse Cashflow Finance business loans and finance

Pros and cons of Pulse Cashflow Finance for business finance 

Rapid access to funds tied up in unpaid invoices Restricted product range
Trade financing can help a business fulfil customer orders during lean financial times Extremely limited online reviews – just 4 on TrustPilot, and Calverton Finance only had 2 before the rebrand (one 5/5, one 1/5)
Willing to work with a number of industries Must have been trading for at least a year, two years for some lending streams
Transparency on fees Minimum annual turnover of £350,000 for invoice factoring – as high as £2,000,000 on invoice discounting
Minimum monthly fee of £550
Pulse Cashflow Finance pros and cons

Invoice finance

Invoice financing is the sole offering of Pulse Cashflow Finance, though it comes in three forms:

Invoice factoring

Pulse Cashflow Finance offers an invoice factoring service, in which this lender will release up to 90% of the value of an outstanding invoice within 24 hours of a successful application on a one-off basis.

You will then have the choice between retaining credit control or turning this responsibility over to Pulse.

Once the invoice is settled, the remaining balance will be released, minus a fee for Pulse Cashflow Finance’s services. 

Invoice discounting

Regularly receive up to 90% of the value of any invoice you raise by uploading it to an online portal managed by Pulse Cashflow Finance.

Your customers will settle your invoice into an account in your name, set up and managed by Pulse. The lender will then take their fee and release any remaining funds to you.

Trade finance

Used in conjunction with invoice financing. Once a customer places an order with you, share this order with Pulse Cashflow Solutions and place the order with your associated supplier.

Pulse will then pay the supplier’s bill and receive the customer’s goods and dispatch them. You then invoice the customer and share the invoice with Pulse Cashflow Solutions, who will release up to 90% of the value of this invoice to settle up with the supplier on your behalf.

The customer will then pay Pulse, who will take their fee from the settled invoice and release any funds left over.

Pulse Cashflow Finance account login

Asset finance 

Not available from Pulse Cashflow Finance. See best asset finance

Merchant cash advance

Not available from Pulse Cashflow Finance. See best merchant cash advance

Business loans 

Not available from Pulse Cashflow Finance. See best business loans

Business credit cards

Not available from Pulse Cashflow Finance. See best business credit cards

Commercial mortgages

Not available from Pulse Cashflow Finance. See commercial mortgages.

Business vehicle finance

Not available from Pulse Cashflow Finance. See business vehicle finance.

Pulse Cashflow Finance key information

Phone number0845 539 7003
App downloadsN/A
Number of branchesN/A – Pulse Cashflow Finance is an online-only business
FSCS protected?No
Key information

Pulse Cashflow Finance reviews

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money PeopleNot reviewedN/A
Which?Not reviewedN/A
Average score4/54 total votes
Pulse Cashflow Finance reviews and ratings

Business eligibility criteria

To qualify for invoice financing, the most popular service provided by Pulse Cashflow Finance, you must meet the following criteria. 

  • At least one year of trading history for invoice factoring and trade finance – two years for invoice discounting
  • Work to a B2B model, not B2C
  • Accept payments by invoice with repayment terms of 30 to 90 days
  • Minimum annual turnover of £350,000 for invoice factoring, £1,000,000 for trade finance, and £2,000,000 for invoice discounting

Business finance alternatives

Pulse Cashflow Finance offers a wide array of products, but is not the only lender in town. If you do not qualify for borrowing from Pulse Cashflow Finance or wish to compare the offer of this lender with a rival, consider the following competitors.

  • Bibby Financial Services
  • Close Brothers
  • Creative Capital
  • eCapital Factoring
  • IGF Commercial Finance
  • Kriya
  • Novuna Commercial Finance
  • Skipton Business Finance
  • Team Factors
  • Time Finance Plc

Additional considerations

As discussed previously, the parent company of Pulse Cashflow Finance, Cubitt Holdings, acquired Calverton Finance and Calverton Business Support in 2022 and merged them with Pulse to create one large financial supplier.


How long does it take to get finance approved by Pulse Cashflow Finance?

Pulse Cashflow Finance typically approves and releases funds related to invoice financing within 24 hours.

How much can I borrow from Pulse Cashflow Finance?

Lending on an invoice finance basis is capped at 90% of the value of an outstanding invoice, typically capped at £5,000,000.

How do I apply for finance from Pulse Cashflow Finance?

You can call Pulse Cashflow Finance on 0845 539 7003 to start your application, or leave your contact details on an online form and request a callback.

Are there any hidden fees when borrowing from Pulse Cashflow Finance?

No, when you are provided with a quote you will know exactly how much you will be asked to repay with no nasty surprises down the line. However, be aware that fees start at £550 per month.

Does Pulse Cashflow Finance set a fixed term for repayments?

As Pulse Cashflow Finance receive its funds when a customer invoice is settled, this is the de facto deadline for repayment. 

Will I need to secure borrowing from Pulse Cashflow Finance against an asset?

Lending on an invoice financing or asset finance basis through Pulse Cashflow Finance is an unsecured loan. 

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