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220k Working Capital Loans Apply Now

A £220,000 working capital loan provides UK SMEs with crucial financial support to manage essential operational expenses such as payroll, inventory procurement, and day-to-day cash flow needs. As a trusted funding agent, we facilitate access to this capital to help businesses maintain stability and seize growth opportunities without compromising their long-term strategy. This tailored funding solution is ideal for companies seeking to optimise liquidity and sustain smooth business operations.

Secure up to £220,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £220,000 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 220k Working Capital Loans?

Our working capital loans provide flexible financing options that ensure swift approval and funding times, often without requiring personal assets as collateral. With a typical decision time of 24 to 72 hours, our services offer rates from 6% to 25% APR. Discover more about our unsecured working capital loans.

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Quick financing access
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Improved cash flow
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Flexible repayment options

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What are the different types of 220k Working Capital Loans?

Business Line of Credit

The Business Line of Credit facilitates liquidity with amounts ranging from £5,000 to £250,000, available over 6 to 36 months. Eligibility requires a year of trading history, £100K turnover, and a good credit score. Explore your options with us.

Business Line of Credit

Offering an APR between 6% to 10%, our business line of credit is ideal for managing cash flow fluctuations and unexpected expenses. Decision times range from 24 to 72 hours, depending largely on your submitted financials. Our business loans can be tailored to your specific industry needs.

Invoice Financing

Invoice Financing can cover up to 90% of your invoice values for up to 6 months, fitting SMEs with B2B invoices. It’s a perfect tool for maintaining operational cash flow.

Invoice Financing

With interest rates between 1.5% to 4%, funds are typically accessible in 48 hours post-application review. This solution enhances financial fluidity by freeing up cash tied in receivables. Check eligibility for our invoice financing services.

Merchant Cash Advance

Merchant Cash Advances are available from £5,000 to £300,000, repayable over 3 to 18 months. This flexible tool is best suited for businesses with card sales exceeding £5,000 monthly.

Merchant Cash Advance

Factor rates span 1.1 to 1.5, effectively translating to 10% to 25%. Typically approved within 24 hours and funded in 2 days, it's a great solution for urgent financial needs. Leverage our cash advance options seamlessly.

What is a 220k Working Capital Loan?

Application Process for Working Capital Loans

Applying for working capital loans involves completing an online form or having a phone consultation. Businesses submit financial statements, bank statements, and tax returns to gauge their credit profile. Enjoy rapid funding post-approval, typically in 1 to 3 days. Explore streamlined funding applications with us.

Regulatory and Compliance Requirements

Lenders must be FCA-regulated, complying with AML and KYC checks. Ensure smooth processing by aligning with these standards, a focus in our financial services. Trust our expertise in handling your business funding needs.

Factors Affecting Borrowing Capacity and Rates

Loan amounts range from £5,000 to £300,000, influenced by credit score, turnover, and performance. APR ranges from 6% to 25%, shaped by several factors including loan term and market conditions. We offer competitive financing options.

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FAQ’S

How much can I borrow with a working capital loan?
How quickly can I get a decision on my working capital loan application?
What are the typical interest rates for a working capital loan?
What are the eligibility requirements for a business line of credit?

DIVE DEEPER

August 20, 2025

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