TOOLS

Working Capital Loan ^Calculator

A Working Capital Loan Calculator is a handy tool that helps you figure out how much money you might need or can borrow to cover your everyday business expenses. It's simple to use and gives you a quick estimate to help plan your finances. Give it a try to get a clear picture of your working capital needs!

Apply for business financing up to £500,000

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Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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Match with

150+

Lenders

Loans from

£1000
to
£500K

zero hidden fees

What are the ^benefits of a Working Capital Loan Calculator?

A Working Capital Loan Calculator is a valuable tool for businesses as it helps them assess their short-term liquidity and cash flow needs. By calculating the necessary working capital, businesses can ensure they have sufficient funds for daily operations, manage expenses effectively, and make informed financial decisions for growth and sustainability.

Improves cash flow

Quick financial calculations

Helps in budgeting

Different types of unsecured business loans

Term Loan for Working Capital

A fixed amount lent for a specific period to meet working capital needs, repaid in installments.

Term Loan for Working Capital

A term loan for working capital is a lump sum provided by a lender for a set period, with regular repayments and interest. It's typically used for operational expenses like inventory or payroll.

Overdraft Facility

A flexible credit line from a bank allowing businesses to withdraw more than their account balance up to a set limit.

Overdraft Facility

An overdraft facility gives a business the ability to withdraw funds exceeding its current balance within an agreed limit, offering flexibility for short-term cash flow gaps and daily operations.

Trade Credit

Short-term credit extended by suppliers to businesses, allowing delayed payment for goods/services.

Trade Credit

Trade credit is when suppliers allow businesses to buy now and pay later, usually within 30-90 days. This helps maintain inventory and cash flow without immediate payment, supporting business operations.

What are the types of working capital loan?

Purpose and Definition

A working capital loan is a type of short-term business loan used to cover a company's everyday expenses, like payroll, rent, inventory, and utility bills. It helps businesses manage cash flow gaps or meet seasonal demands, ensuring smooth daily operations.

Types and Features

There are various types of working capital loans, including term loans, lines of credit, invoice financing, and merchant cash advances. These loans are usually quick to fund, have short repayment periods, and may or may not require collateral, depending on the lender and loan product.

Pros and Cons

Working capital loans can provide fast access to funds and flexible use with minimal requirements, but they often have higher interest rates, shorter repayment terms, and in some cases, can impact the owner's personal or business credit if not managed well.