FINANCE OPTIONS

Compare ^Contract ^Finance Options For £350k Needs

Q: How much can I borrow with 350k Contract Finance?

Typical facilities range from £5,000 up to £1,000,000. The precise amount available will depend on factors like your business’s financial health, the creditworthiness of your contract or client, and your trading history.

Q: How long does a decision on contract finance take?

Initial decisions on contract finance applications usually take between 2 to 10 business days. The time required can depend on how complete your submitted information is and the complexity of your contract.

Q: What are the usual costs and interest rates?

Interest rates typically range from 8% to 15% APR, depending on duration, risk, and contract strength. There may also be product-specific fees such as arrangement or service charges and potential late payment fees.

Q: What documents do I need to apply for contract finance?

You will usually need to provide detailed information about your contract or invoices, your business’s recent financial statements, and an accounts receivable aging report. Lenders will also require evidence of client creditworthiness and payment terms.

350k Contract Finance helps UK businesses unlock working capital tied up in contractual agreements. By advancing funds based on expected revenues from ongoing contracts, this finance type enables SMEs to manage cash flow, pay suppliers, and cover costs before receiving client payments. Businesses often use contract finance to bridge the gap between the start and completion of a contract, supporting ongoing operations and growth. This approach helps maintain momentum without relying solely on reserves or waiting for invoice payments.

Contract Finance

Secure up to £1,000,000 in Contract Finance with Funding Agent.

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Key ^Benefits of Contract Finance

350k Contract Finance gives businesses access to advance funds ahead of contract payment cycles, reducing the strain of waiting for clients to pay. With typical rates from 8% to 15% APR and decision timescales as fast as 2 to 10 business days, it provides an efficient, predictable way to manage cash flow and project demands.

Cash Flow Stability

Growth Opportunities

Risk Management

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Contract Finance Available

Contract Loans

Contract Loans provide a lump sum advance based on the value of a substantial business contract. Ideal for businesses with strong trading history and creditworthy customers, this option is often used to cover upfront costs like materials and payroll.

Contract Loans

To qualify, your business typically needs at least three years of trading and a significant contract from a creditworthy client. Loans range from £10,000 to £500,000 with terms of 6 to 24 months and interest rates between 8% and 15% APR. Approval usually takes 5 to 10 business days. This option is well-suited for sectors such as construction, manufacturing, and IT, offering reliable support to bridge the gap between project commencement and payment completion.

Invoice Finance

Invoice Finance unlocks capital tied up in B2B invoices, providing a rapid cash flow boost. Suitable for SMEs with at least a year of trading history, it enables you to advance against unpaid invoices instead of waiting for client payments.

Invoice Finance

Businesses typically receive 80% to 90% of invoice values within 2 to 5 business days. Amounts range from £5,000 to £1,000,000 and it functions as an ongoing facility tailored to invoice durations. Costs include 1% to 3% above the base rate plus service fees, making it useful for industries with lengthy payment terms, such as logistics and recruitment. Invoice Finance helps ensure steady cash flow for wage and supplier payments.

Purchase Order Finance

Purchase Order Finance supports companies that need funds to fulfill confirmed orders. This type is especially relevant where substantial lead times or large supply chain costs are involved.

Purchase Order Finance

Eligibility generally requires at least two years of trading and a verifiable purchase order from a reliable client. Facilities range from £20,000 to £750,000 with terms up to 120 days or until invoice payment. Interest rates are usually 3% to 6% per month. Upon approval (within 5 to 7 business days), the lender pays your supplier directly, enabling you to meet client demands and grow order volumes.

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

How To Access 350k Contract Finance With Funding Agent

Start Your Application

Complete an online application form, providing your business details and contract information to kick off your enquiry.

Get Matched with Lenders

Funding Agent connects you to a selection of lenders experienced in providing contract finance solutions.

Receive Funds

Once your application is approved, the lender releases the funds, helping you fulfil your contractual commitments promptly.

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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.

FAQ’S

How much can I borrow with 350k Contract Finance?

How long does a decision on contract finance take?

What are the usual costs and interest rates?

What documents do I need to apply for contract finance?

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March 9, 2026

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Compare ^Contract ^Finance Options For £350k Needs

Key ^Benefits of Contract Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Contract Finance Available

Contract Loans

Contract Loans

Invoice Finance

Invoice Finance

Purchase Order Finance

Purchase Order Finance

Typical Funding Journeys on Funding Agent