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350k Short Term Business Loans – Apply Now

A £350,000 short term business loan provides UK SMEs with critical funding to manage immediate financial demands such as payroll, inventory acquisition, and supplier payments. This focused financing solution from Funding Agent helps businesses bridge cash flow gaps efficiently, ensuring operational continuity and supporting short-term growth objectives.

Secure up to £350,000 in Short Term Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £350,000 in Short Term Business 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 350k Short Term Business Loans?

One of the primary benefits of quick business finance is the speed and flexibility it provides. Loans ranging from £5,000 to £350,000 can be accessed with minimal collateral. Most applications are processed online, with decisions communicated swiftly, ensuring funds are available when most needed.

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Quick access to funds
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Flexible repayment options
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Boosts business cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 350k Short Term Business Loans?

Merchant Cash Advance

A merchant cash advance is ideal for businesses with a history of card transactions, offering amounts between £5,000 to £300,000 over 3 to 18 months.

Merchant Cash Advance

For those in the retail and hospitality sectors, a merchant cash advance provides swift access to capital using card sales history as a basis for lending. Decision times are quick, generally within 24 to 48 hours, and the funds can be used to purchase inventory or manage cash flow during low seasons.

Invoice Financing

Invoice financing allows businesses to unlock capital tied up in unpaid invoices. Typically, up to 90% of invoice values are available for bridging cash flow gaps.

Invoice Financing

Invoice financing is a strategic tool for businesses in manufacturing or wholesale sectors to improve liquidity. With interest rates as low as 0.5%, funds are expedited within 24 hours upon invoice approval, allowing firms to maintain smooth operations without credit constraints.

Unsecured Business Loan

An unsecured business loan is perfect for businesses with at least a year of trading history, offering £10,000 to £350,000 without collateral over 6 to 24 months.

Unsecured Business Loan

Targeting tech and professional services, unsecured business loans support growth by funding expansion projects or marketing campaigns. With APRs from 3% to 15%, decisions arrive within 2 to 5 days, ensuring swift access to necessary funds for various strategic projects.

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 350k short term business loan?

Application Processes Explained

The process for applying for a business loan is streamlined to ensure quick assessments. Providing financial statements and trading history expedites initial decisions within 24 hours to 5 days.

Borrowing Capacity and Rates

All lenders are FCA regulated, ensuring fair lending practices that protect borrower rights. This oversight guarantees transparent processes and secure transactions.

Borrowing Capacity and Rates

The amount a business can borrow, ranging from £5,000 to £350,000, depends on revenue and credit score. Rates, influenced by financial health, range from 3% to 15% APR, ensuring competitive options for diverse business needs.

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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 quickly can I get a decision on a short term business loan?
What are the borrowing limits for short term business loans?
What are the interest rates for short term business loans?
Who is eligible for short term business loans?

DIVE DEEPER

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.
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.
August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.

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