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190k Working Capital Loans - Get Funding Now

A £190,000 working capital loan provides UK SMEs with substantial funding to effectively manage essential operational expenses such as payroll, inventory procurement, and short-term cash flow fluctuations. As a trusted Funding Agent, we enable businesses to maintain financial stability and seize growth opportunities without compromising daily operations. This tailored financing solution supports ongoing business resilience and operational continuity.

Secure up to £190,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £190,000 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 190k Working Capital Loans?

Working capital loans provide quick access to funds and flexible repayment options, improving cash flow management and bridging funding gaps. With loan amounts ranging from £5,000 to £5,000,000, and initial decisions available within days, our funding solutions are tailored to your business needs.

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Improves 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 190k Working Capital Loans?

Invoice Financing

Invoice financing suits businesses with outstanding invoices, advancing 85-90% of invoice value over 1 to 12 months.

Invoice Financing

Invoice financing offers quick access to cash, typically at 1-3% monthly interest. Ideal for sectors like manufacturing, it funds operations while you await customer payments.

Business Line of Credit

A business line of credit provides up to £500,000, offering flexibility with terms up to 24 months.

Business Line of Credit

The business line of credit caters to short-term operational needs with a 3-10% annual interest, supporting industries like retail during peak seasons.

Merchant Cash Advance

Merchant cash advances offer £5,000 to £300,000 based on card sales, perfect for retail and hospitality sectors.

Merchant Cash Advance

Our merchant cash advance links repayments to sales, optimizing cash flow for businesses with strong card sales, like restaurants.

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 190k Working Capital Loan?

Simple Application Processes

Applying for a loan with us involves submitting financial records for quick processing and access to funds. Discover how our business funding applications streamline your financial needs.

Borrowing Capacity Solutions

Lending in the UK is regulated by the FCA, ensuring fair practices. Learn about our compliance with regulatory standards.

Borrowing Capacity Solutions

Our loans range from £5,000 to £5,000,000, based on revenue and creditworthiness. Explore our competitive rates and funding options tailored to your business size.

Get Funding For your business

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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 my loan application?
What are the typical interest rates for these loans?
What are the eligibility criteria 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 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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