FINANCE OPTIONS

340k Working Capital Loans - Get Funding Today

A £340,000 working capital loan offers UK SMEs a substantial financial resource to optimise cash flow and sustain essential operations such as payroll, supplier payments, and inventory management. Provided by Funding Agent, this loan amount empowers businesses to navigate short-term financial challenges confidently, ensuring continuity and growth in competitive markets. Access to this level of funding supports strategic operational stability without compromising long-term investment plans.

Secure up to £340,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £340,000 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 340k Working Capital Loans?

Working capital loans offer flexible funding tailored to your cash flow needs, allowing quick access to finance between 24 hours and 7 days post-approval. With amounts ranging from £5,000 to £1 million, our solutions adhere to FCA regulations, promoting fair treatment and transparency. Explore more about business loans.

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Quick access to funds
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Flexible repayment options
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Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 340k Working Capital Loans?

Revolving Credit Facility

Revolving credit facilities offer flexibility with amounts from £10,000 to £1 million and act like overdrafts. Eligibility typically requires a 2-year trading history. Learn more about asset-based lending.

Revolving Credit Facility

With variable interest rates ranging from 2% to 5% above the base rate, revolving credit facilities also offer flexible terms. Ideal for managing short-term cash flow and seasonal expenses in sectors like retail. Find out how invoice discounting works.

Invoice Financing

Invoice financing allows access to up to 90% of invoice value quickly. Suitable for businesses invoicing others with £50,000+ turnover. Discover cash advances.

Invoice Financing

Offering monthly fees between 0.5% to 3%, invoice financing suits manufacturing and tech industries dealing with unpaid invoices. Approvals can happen within a day, providing much-needed liquidity. See our commercial mortgages section.

Merchant Cash Advances

For businesses with regular card sales, merchant cash advances provide £5,000 to £300,000, with repayment linked to sales. Check merchant cash advances.

Merchant Cash Advances

Offering factor rates from 1.1 to 1.5, these advances suit industries like coffee shops and boutiques seeking inventory expansion or premises refurbishment. Discover more about startup loans.

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 340k Working Capital Loan?

Application Processes

The streamlined application for working capital loans involves submitting financials and credit checks. Loan decisions range from 24 hours to 3 weeks. Learn about unsecured business loans.

Borrowing Capacity and Rates

All lenders must comply with FCA regulations, ensuring transparent practices and protection for SMEs using these facilities. Visit our page on financing options.

Borrowing Capacity and Rates

With borrowing potential between £5,000 to £1 million, rates vary from 2% to 15% annually based on credit scores and risk. Check capability with unsecured commercial loans.

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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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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 these loans?
What are the interest rates for working capital loans?
What are the key eligibility requirements?

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.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.
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.

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