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

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

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.

Pulse Cashflow Finance business loans and finance

• Pros and cons
• Invoice finance
• Asset finance
• Merchant cash advance
• Business loans
• Business credit cards
• Commercial mortgages
• Business vehicle finance
• Pulse Cashflow Finance key information
• Pulse Cashflow Finance reviews
• Business eligibility criteria
• Business finance alternatives
• Additional considerations
• FAQ

Pros and cons of Pulse Cashflow Finance for business finance 

Pros	Cons
✓ 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

Invoice finance

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

• Invoice factoring
• Invoice discounting
• Trade finance

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.

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 number	0845 539 7003
App downloads	N/A
Website	www.pulsecashflow.com
Number of branches	N/A – Pulse Cashflow Finance is an online-only business
FSCS protected?	No
Founded	2010

Pulse Cashflow Finance reviews

Review platform	Score	Number of votes
TrustPilot	4/5	4
Feefo	Not reviewed	N/A
Reviews.io	Not reviewed	N/A
Smart Money People	Not reviewed	N/A
Which?	Not reviewed	N/A
Average score	4/5	4 total votes

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.

FAQ