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180k Working Capital Loans Apply Now

A £180,000 working capital loan from Funding Agent provides UK SMEs with crucial financial support to maintain smooth operations by covering essential costs such as payroll, inventory procurement, and daily expenses. This tailored funding solution enables businesses to address cash flow gaps promptly, ensuring stability and sustained growth without compromising long-term investment strategies.

Secure up to £180,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £180,000 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 180k Working Capital Loans?

Working capital loans offer flexibility and quick access to funds, allowing businesses to manage day-to-day expenses smoothly without tapping into equity. Our digital-first solutions enable quick application processes with funds available as soon as the next business day post-approval. Learn more about our unsecured business loans that offer tailored options for immediate financial needs.

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Boosts cash flow
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Supports business growth
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Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 180k Working Capital Loans?

Unsecured Business Loans

Unsecured Business Loans provide financial support without the need for collateral, tailored for businesses in need of up to £500,000. These loans come with flexible terms from 6 to 36 months, making them ideal for quick funding requirements. Discover our unsecured working capital loans tailored for UK SMEs.

Unsecured Business Loans

These loans typically feature interest rates ranging from 6% to 20% APR. Decision times are swift, often within 24 to 72 hours, with sectors like retail and hospitality benefiting significantly from these flexible finance options. Find out more about unsecured options on our unsecured business loans page.

Invoice Financing

Invoice Financing empowers businesses to advance up to 90% of the invoice value, enhancing cash flow without waiting for customer payments. Especially advantageous for manufacturers and logistics businesses facing longer payment cycles. Visit our invoice financing page for details.

Invoice Financing

With interest rates ranging from 1% to 5% above the base rate monthly fee, invoice financing is a quick solution with typical decision times under 24 hours for invoice approvals. Access funds to improve liquidity efficiently with our invoice finance calculator.

Asset-Based Lending

Asset-Based Lending provides large capital solutions from £50,000 to £5 million, secured against tangible business assets. Suitable for industries like manufacturing and tech with capital-intensive needs. Explore asset-based lending to learn more.

Asset-Based Lending

Interest rates for these loans are competitive, ranging between 3% to 10% APR. Initial feedback is provided within 48 hours, although complete processes can take up to 2 weeks. Such financing is perfect for refinancing and debt restructuring. Check our comprehensive asset finance options to explore various solutions.

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 180k Working Capital Loan?

Application Process

The application process for working capital loans is streamlined and efficient, typically requiring straightforward online submissions. Decisions can often be made within 24 to 48 hours, with funds available shortly thereafter. For more insights, read our guide on unsecured business loans.

Borrowing Capacity and Rates

All lending services are regulated by the Financial Conduct Authority (FCA) in the UK, ensuring compliance with anti-money laundering laws. We pride ourselves on promoting responsible lending practices, as explained in our detailed compliance reviews section.

Borrowing Capacity and Rates

Loan amounts vary based on trading history, revenue consistency, and asset value, with amounts ranging from £5,000 up to £5 million. Interest rates can vary from 3% to 25%, depending on the loan type and risk assessment. Explore our detailed asset allocation guide for deeper insights.

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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 in the UK?
How quickly can I get approval for a working capital loan?
What are the interest rates for working capital loans?
What are the eligibility requirements 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.

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