FINANCE OPTIONS

^20k to 50k Working Capital Loans - Apply Now

Q: How much can I borrow with a working capital loan?

Businesses typically borrow between £20,000 and £50,000, depending on annual revenue, credit score, and specific lender criteria. Working capital loans are designed to keep your business operational without impacting cash reserves.

Q: How quickly can I get a decision on my loan application?

Initial decisions are usually made within 24 to 72 hours after submitting all required documents. Once approved, fund disbursement can occur within a week, sometimes as fast as 24 hours.

Q: What are the typical rates for working capital loans?

Unsecured loans have an APR range of 6% to 15%, whilst invoice financing offers monthly rates between 1% and 3%. Additional fees may include arrangement or early repayment charges, varying by lender.

Q: What are the eligibility requirements for invoice financing?

To qualify for invoice financing, your business must have at least six months of trade history and issue B2B invoices. This option is particularly effective for bridging gaps while awaiting payments from clients.

A £20,000 to £50,000 working capital loan from Funding Agent offers UK SMEs a flexible financial resource to maintain smooth operations by covering essential costs such as payroll, inventory, and day-to-day expenses. This loan range is designed to support businesses in managing cash flow fluctuations effectively, ensuring they can capitalise on growth opportunities without compromising operational stability.

Secure up to £50,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £50,000 in Working Capital Loans with Funding Agent. with Funding Agent.

Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of 20k to 50k Working Capital Loans?

The key advantages of working capital loans include quick funding access, flexible repayment options, and efficient cash flow management. For businesses needing between £20,000 and £50,000, these loans offer the support required without affecting existing cash flow. Explore our unsecured working capital loan options for tailored financial support.

Immediate cash access

Flexible repayment options

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 20k to 50k Working Capital Loans?

Unsecured Business Loans

Unsecured business loans are available for amounts ranging from £5,000 to £250,000. Eligible businesses must have a UK registration, a minimum 1-year operational history, and an annual turnover of £50,000. Discover more about unsecured business loans.

Unsecured Business Loans

These loans, with lending terms from 3 to 36 months and interest rates between 6% to 15% APR, provide quick decision times modeled between 24 to 72 hours. Sectors such as retail may use them for stock purchases pre-sale seasons. Explore detailed insights on securing the best unsecured business loans for SMEs.

Invoice Financing

Invoice financing allows businesses to unlock capital tied in unpaid invoices. Companies with at least six months of trading history can get up to 90% of their invoice value. Learn more on invoice financing solutions.

Invoice Financing

Reducing cash flow gaps has never been easier. With invoice financing, receive decisions within 24 hours with manageable interest rates from 1% to 3% per month. Manufacturing firms find this particularly advantageous. View our comprehensive guide to short-term business financing.

Merchant Cash Advances

Merchant cash advances offer funding against future sales. Amounts range from £5,000 to £300,000, suited for businesses with significant card transactions. Apply here for a merchant cash advance.

Merchant Cash Advances

With factor rates between 1.1 to 1.5 and lending flexibility linked to sales, merchant cash advances enable investments in growth projects, such as purchasing new restaurant equipment. Additional resources are available at our MCA loan provider guide.

What is a 20k to 50k Working Capital Loan?

Application Processes

Applying for a working capital loan involves submitting business and financial documents online. Initial decisions are often made within 24 to 72 hours. For a smooth application experience, consult our step-by-step guide on requesting funding.

Regulatory and Compliance

All loan providers adhere to FCA regulations, ensuring fairness and transparency. Businesses can rely on responsible lending practices. For regulatory compliance details visit our resource page.

Borrowing Capacity

The borrowing capacity ranges from £20,000 to £50,000, influenced by turnover and credit scores. Interest rates vary from 6% APR for unsecured loans to 3% monthly for invoice financing. Learn about factors affecting rates at our buy rate glossary.