FINANCE OPTIONS

140k Working Capital Loans - Get Funding Now

A £140,000 working capital loan from Funding Agent provides UK SMEs with essential liquidity to manage critical operational expenses such as payroll, inventory procurement, and supplier payments. This tailored financing solution helps businesses maintain cash flow stability during periods of growth or temporary shortfalls, ensuring continuity and operational efficiency. SMEs seeking flexible funding to support day-to-day activities can leverage this loan to strengthen their financial position and drive business success.

Secure up to £140,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £140,000 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
Apply Now
Cloud

What are the benefits of 140k Working Capital Loans?

Working capital loans enable SMEs to manage their cash flow without the long-term financial commitment typical of other loans. They offer competitive rates and flexible terms, such as quick decision times from 2 to 5 days for unsecured loans. Access up to £1,000,000 with optimal collateral conditions. Unsecured Working Capital Loan options ensure minimal entry requirements.

black tick in a green circle
Improves cash flow
black tick in a green circle
Quick access to funds
black tick in a green circle
Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of 140k Working Capital Loans?

Unsecured Working Capital Loans

Unsecured loans offer amounts from £5,000 to £250,000. They require a business history of 2 years and at least £50,000 turnover per annum. Learn more about unsecured options.

Unsecured Working Capital Loans

These loans come with interest rates from 4% to 12% APR and decision times of 2 to 5 days, ideal for needs like inventory restocking or covering advertising costs. Retail chains and hospitality sectors often utilise these to bridge gaps during off-peak times. Further details on industries served.

Secured Working Capital Loans

Secured loans range from £50,000 to £1,000,000, requiring business assets as collateral. Suitable for businesses with tangible assets. Explore collateral options.

Secured Working Capital Loans

Offering lower interest rates from 3% to 8% due to reduced lender risk, these loans have longer terms up to 84 months. They are perfect for large purchases or debt restructuring. Commonly used by manufacturing and transport sectors for expansion. Discover how IT companies benefit.

Revolving Credit Facility

Revolving credit offers sums from £10,000 to £500,000 and requires stable financial records. Ideal for managing recurring cash flow gaps. View revolving credit options.

Revolving Credit Facility

This facility charges interest only on withdrawn amounts, with rates 3% to 10% above base. It suits businesses managing seasonal variances or unexpected costs. A popular choice for retailers during peak seasons. See how small businesses use it.

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 140k Working Capital Loan?

Application Process for Working Capital Loans

Applying for a working capital loan involves submitting financial documents and credit checks. Typically, unsecured loans grant decisions within days. Find out about the application steps.

Determining Borrowing Capacity and Rates

The Financial Conduct Authority mandates clear terms to protect borrowers. Lenders must comply with anti-money laundering laws. Understand compliance requirements.

Determining Borrowing Capacity and Rates

Borrowing levels depend on factors like turnover and collateral. Rates range from 3% to 12% APR, influenced by credit scores and loan type. Explore borrowing factors.

Get Funding For your business

Generate offers
Cta image

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.
building

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 receive a decision on my loan?
What factors affect the interest rates for these loans?
What eligibility criteria must I meet to apply for a 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.
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.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now