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Definition
Operating cash flow is the cash produced by the day-to-day running of the business — receipts from customers, less payments to suppliers and staff. It strips out financing and one-off investment to show what trading itself generates.
Why it matters
Lenders build the cash-available figure for DSCR from operating cash flow, adjusting for non-cash items like depreciation. See how to calculate DSCR.
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Free cash flow
The cash a business generates after operating costs and essential outgoings — the money genuinely available…
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Debt service coverage ratio
The debt service coverage ratio (DSCR) measures whether a business generates enough cash to cover its debt…
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How to calculate your debt service coverage ratio
DSCR is the number underwriters trust most, and it takes two figures to work out. Cash available for debt…
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Net cash flow
The difference between all cash coming into and going out of a business over a period — positive means the…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.