Money Advice Trust > For advisers > CASHflow > Who can use CASHflow?

Who can use CASHflow?

  • Advice agencies

  • Individuals in debt

  • Creditors and debt collections agencies

Advice agencies

CASHflow can help you support clients and free up advisers' time to deal with clients that need more support or representation. Once registered to use CASHflow, you will be able to give clients access to the CASHflow website, enabling them to complete their personal budget in their own time, before getting it approved by an adviser. Each budget has a unique code and features the CASHflow logo once it has been approved. This gives creditors reassurance that your client has gone through a recognised money advice process and has agreed their financial statement with an adviser. CASHflow is completely free to use. The website also provides practical resources for both your advice agency and your clients.   
Visit our CASHflow resources page for further information.

Individuals in debt

CASHflow is a tool that can support you to do your household budget and work out how much you can afford to repay towards your debts so that you can negotiate affordable repayments with your creditors yourself. This will enable you to stay in control of your situation, but still have support at any stage if you need it.
Before you can use CASHflow, you need to contact one of the free advice agencies that offers it (for example Citizens Advice or National Debtline). The advice agency will start by talking to you about all of the options available, and can help you to decide if CASHflow is the right one for you.
Contact your local advice agency to check if they offer CASHflow.

Creditors and debt collection agencies

CASHflow is a tool that can support people to do their household budget and work out how much they can afford to repay towards their debts so that they can negotiate affordable repayments with their creditors themselves.
CASHflow-logo.pngWhen you see the CASHflow logo on a customer’s financial statement, you can have confidence that the customer has received full independent debt advice and completed a recognised Standard Financial Statement (SFS) with support from an agency. An offer made using CASHflow is equivalent to an offer made by a third-party debt advice agency.
CASHflow is recognised in the Finance and Leasing Association Lending Code.
Find out about CASHflow resources for advice agencies.
Visit the new CASHflow website.
For more information contact the CASHflow team.
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