FINANCE OPTIONS

150k Working Capital Loans - Get Funding Now

A £150,000 working capital loan from Funding Agent provides UK SMEs with essential funding to manage crucial operational expenses such as payroll, inventory replenishment, and short-term cash flow gaps. This loan amount is designed to support businesses in maintaining financial stability and seizing growth opportunities without disrupting ongoing operations. By leveraging this tailored funding solution, SMEs can confidently navigate fluctuating market conditions and sustain their day-to-day activities.

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
Apply Now
Cloud

What are the benefits of 150k Working Capital Loans?

Working capital loans offer improved cash flow and flexibility, with no collateral required. These loans, such as unsecured business loans, allow companies to seize opportunities, meet payroll, and purchase stock efficiently. Quick decisions and competitive rates ensure minimal disruption to operations.

black tick in a green circle
Increased cash flow
black tick in a green circle
Flexible repayment terms
black tick in a green circle
Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

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

Unsecured Business Loan

Unsecured business loans provide funding without collateral, typically ranging from £5,000 to £250,000. Eligibility requires good credit and a trading history, making them ideal for businesses in need of quick, flexible financing. Discover more about unsecured options that suit your needs.

Unsecured Business Loan

These loans have terms of 3 to 60 months with interest rates between 3% and 10% per annum. They are suitable for inventory purchases and managing sales fluctuations, as seen in tech startups using them for payroll in between funding rounds. Check out unsecured working capital loan options for your business's flexibility.

Invoice Financing

Invoice financing unlocks cash tied up in unpaid invoices, advancing up to 95% of their value. This is an excellent option for businesses invoicing other businesses, like manufacturers or service firms. See how invoice finance can enhance your cash flow.

Invoice Financing

With terms up to 90 days and rates from 1% to 5% of invoice value per month, companies like manufacturers can smooth cash flow while waiting on payments from retailers. Learn more about selective invoice financing benefits.

Trade Finance

Trade finance is ideal for businesses involved in import/export, with transactions starting at £25,000. These solutions aid companies in bridging cash flow gaps in global supply. Explore trade finance options tailored for your sector.

Trade Finance

Covering transactions of up to 180 days, trade finance involves transaction fees between 1% and 6%. Retailers import stock while manufacturers bring in raw materials under these facilities. Discover top trade finance lenders for your business expansion.

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 150k Working Capital Loan?

Application Process Overview

Applications for working capital loans are generally completed online, requiring company details and financial data. With decision times ranging from 1 to 10 business days, businesses can quickly access needed funds. Learn how streamlined processes facilitate faster approvals.

Borrowing Capacity and Rate Information

These loans are overseen by the Financial Conduct Authority (FCA) in the UK, ensuring transparency and fair lending practices. Companies seeking these loans benefit from FCA's regulatory framework, enhancing trust in financial dealings. Find guidance on compliance and lending standards.

Borrowing Capacity and Rate Information

Businesses can borrow between £5,000 and £500,000, influenced by turnover, creditworthiness, and sector profitability. Interest rates typically range from 3% to 10% APR. Leverage competitive options with insights on rates and borrowing.

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?
What are the typical decision times for working capital loans?
What are the interest rates for working capital loans?
What are the eligibility criteria for working capital loans?

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 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.
June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

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.

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