FINANCE OPTIONS

120k Working Capital Loans - Apply Now

A £120,000 working capital loan from Funding Agent provides UK SMEs with the essential liquidity to optimise cash flow management, covering critical expenses such as payroll, inventory procurement, and daily operational costs. This tailored funding solution empowers businesses to maintain stability and support growth without compromising their long-term investment strategies. Access to this level of working capital ensures that companies can navigate financial fluctuations confidently and seize new commercial opportunities.

Secure up to £120,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £120,000 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 120k Working Capital Loans?

These loans improve cash flow management, handle unforeseen expenses, and support operational liquidity—key for maintaining business stability. Our financial solutions are tailored to offer competitive rates and rapid processing times. Discover how our unsecured working capital loans can benefit your business today.

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Flexibility in financing
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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 120k Working Capital Loans?

Traditional Bank Overdraft

Traditional bank overdrafts are ideal for managing cash flow disruptions. They typically offer amounts from £10,000 to £100,000 and are reviewed annually with interest rates from 4% to 10% APR. Learn more about overdraft alternatives.

Traditional Bank Overdraft

These overdrafts require an existing business account, a good credit history, and a proven revenue track record. The application involves presenting business financials, and decisions take 2 to 4 weeks. Retail businesses frequently use them for purchasing inventory. Explore further details on bank loans vs alternative lenders.

Short-Term Business Loan

Our short-term business loans range from £5,000 to £250,000, with terms between 6 and 18 months. They are suited for bridging project-based activities or unexpected operational costs. Delve deeper into short-term business loans.

Short-Term Business Loan

Eligible for established businesses with a minimum annual turnover of £50,000, these loans offer interest rates between 7% and 20% APR. Decision-making is swift, within 2 to 5 business days, and is accessible online. Ideal for hospitality sectors that require funds for renovations or marketing. See our short-term loan options.

Invoice Financing

Invoice financing allows B2B companies to secure funds against their outstanding invoices, with amounts from £1,000 to £2,000,000. This boosts cash flow without waiting for payment. Visit our invoice financing page for more information.

Invoice Financing

Eligibility requires creditworthy clients with minimum invoice values of £500. Interest rates range from 1.5% to 3% per month, with decisions in 24 to 48 hours. It's popular in manufacturing, enhancing cash flow while awaiting client payments. Learn more about the benefits of selective invoice financing.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

What is a 120k Working Capital Loan?

Application Process

The application for working capital loans involves submitting business financials and creditworthiness assessments. Our digital-first platform streamlines this process, reducing decision times from weeks to just 24 hours. For a comprehensive guide, check the loan application process.

Borrowing Capacity

Working capital loans in the UK must comply with FCA regulations to ensure responsible lending. Our expertise ensures all processes adhere to these rigorous standards. More on compliance can be found through our business finance insights.

Borrowing Capacity

The borrowing capacity varies based on business revenue, credit score, and available collateral, ranging from £1,000 to £2,000,000. Our loans come with interest rates tailored to your needs, guaranteeing competitive offerings. Discover more in our comprehensive guides.

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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 invoice financing?

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.
August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.
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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