FINANCE OPTIONS

100k to 150k Working Capital Loans - Apply Now

A £100,000 to £150,000 working capital loan from Funding Agent provides UK SMEs with essential financial support to manage critical short-term expenses such as payroll, inventory acquisition, and operational costs. This tailored funding solution helps businesses maintain smooth cash flow, address unexpected expenses, and capitalise on growth opportunities without compromising day-to-day operations.

Secure up to £150,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £150,000 in Working Capital Loans with Funding Agent. with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of 100k to 150k Working Capital Loans?

Our Working Capital Loans provide businesses with essential liquidity, ensuring smooth operations and financial stability. Benefit from quick access to capital amounts ranging from £100,000 to £150,000, with typical approval within 1 to 2 weeks. Learn more about our offerings and stay operationally resilient.

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Flexible repayment options
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Quick access to funds
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Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 100k to 150k Working Capital Loans?

Term Loans

Term Loans are ideal for UK-registered businesses with a solid credit score and positive cash flow. They offer amounts from £100,000 to £150,000 and are repayable over 12 to 60 months. Discover more about eligibility and benefits.

Term Loans

Term Loans typically come with interest rates between 3% and 6% APR. The approval process can take 1 to 2 weeks, with funds quickly available for purchasing inventory or managing seasonal cash flow gaps. Retailers and manufacturers, for instance, often leverage such loans. Learn how to apply through our application process guide.

Revolving Credit Facilities

Businesses with good financial health can access Revolving Credit Facilities, with limits of £100,000 to £150,000. These facilities are open-ended and reviewed annually. Explore our credit facility options.

Revolving Credit Facilities

The interest rates for Revolving Credit Facilities range from 4% to 8% on withdrawn amounts. These facilities are crucial for covering urgent operational costs, especially for tech companies and those with irregular income streams. Approval is typically within a week. A wide variety of sectors utilize this facility for financial agility.

Invoice Financing

Invoice Financing allows businesses to get advances up to 90% of invoice values within the £100k to £150k range. Eligibility requires verifiable sales invoices. Check out our invoice finance solutions.

Invoice Financing

This type offers a base fee of 1% to 4%, with funds accessible in 1 to 3 days upon invoice verification. It's a crucial tool for maintaining cash flow while awaiting customer payments. Explore our detailed service in the invoice finance guide.

Typical Funding Journeys on Funding Agent

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What is a 100k to 150k Working Capital Loan?

Application Process

Understanding the application process is critical. Generally, applicants must submit financial records, business plans, and evidence of creditworthiness. Decision times vary from 1 to 2 weeks, but funds can be available within days post-approval. Explore our streamlined application options.

Borrowing Capacity and Interest Rates

In the UK, all lenders must be authorised by the Financial Conduct Authority to ensure consumer protection. This ensures fair lending practices in the market. Delve into our comprehensive compliance insights.

Borrowing Capacity and Interest Rates

Rates typically range between 3% and 8% APR, affected by creditworthiness and loan terms. Borrowing amounts range from £100,000 to £150,000, influenced by credit ratings and cash flow history. Discover more about our competitive offerings through our loan calculator.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with a Working Capital Loan?
How quickly can I get a decision on a Working Capital Loan?
What are the interest rates for Working Capital Loans?
What are the eligibility requirements for a Working Capital Loan?

DIVE DEEPER

August 20, 2025

What Is a Working Capital Loan?

Learn how working capital loans support day-to-day business costs, their pros and cons, and how to qualify. Ideal for UK SMEs needing short-term funding.
June 6, 2025

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Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.

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