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350k Working Capital Loans - Apply Now

A £350,000 working capital loan offers UK SMEs a robust financial resource to effectively manage critical short-term expenses such as payroll, inventory procurement, and daily operational costs. As a trusted funding agent, we facilitate access to this substantial capital, empowering businesses to sustain cash flow stability and seize growth opportunities without disruption. This tailored financial solution is ideal for companies aiming to optimise liquidity and maintain smooth business operations.

Secure up to £350,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £350,000 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 350k Working Capital Loans?

One of the primary advantages of working capital loans is their ability to provide financial buffer and support business growth without compromising daily operations. They offer borrowing capacities from £10,000 to £500,000, with decisions made swiftly within 24 hours to 2 weeks. Rates are competitive, ensuring cost-effective borrowing. Explore more about unsecured working capital loans.

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Immediate cash access
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Flexible repayment terms
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Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 350k Working Capital Loans?

Term Loans

Term loans are a versatile option for SMEs with at least two years of trading history, offering amounts from £25,000 to £500,000 over 3 to 60 months. Learn about term loans for your business needs.

Term Loans

These loans support various business needs, including inventory purchases and short-term project financing. Interest rates range from 5% to 15% APR, with decisions typically made within 1 to 2 weeks. Ideal for sectors like retail and hospitality, consider short-term business loans.

Invoice Financing

Invoice financing accelerates cash flow by advancing up to 90% of invoice values. It suits B2B businesses with creditworthy clients. Explore invoice financing for effective cash management.

Invoice Financing

This option allows businesses to finance operations by unlocking cash tied in invoices due in 30 to 90 days. With interest of 0.5% to 5% per month, it's a swift solution with funds available in 24 to 48 hours. It's particularly beneficial for manufacturing and tech sectors. Look into invoice factoring for alternative funding.

Revolving Credit Facilities

Revolving credit facilities offer flexible access to funds for SMEs with stable revenue histories. They provide up to £500,000 based on usage. Learn more about revolving credit loans.

Revolving Credit Facilities

These facilities allow businesses to draw funds as needed to manage unexpected expenses or seasonal downturns. With open-ended terms and interest of 6% to 18% APR, they are ideal for dynamic financial management. Explore uses in sectors like hospitality and retail. Discover what a revolving credit loan can do for you.

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 Working Capital Loan?

Application Processes and Decision Times

The application for working capital loans requires submitting business financial statements and credit checks. Decisions can be made within 24 hours, providing a quick turnaround. Efficient application processes include using online portals. Discover more about business loan applications and their benefits.

Borrowing Capacity and Rate Information

Working capital loans must adhere to FCA regulations, ensuring responsible lending and transparency. Lenders perform due diligence on applicants. This ensures ethical borrowing practices, vital for SME growth. Learn why compliance in financial products is essential.

Borrowing Capacity and Rate Information

These loans offer flexible borrowing capacities influenced by business credit ratings and annual revenue. Typical interest rates range from 5% to 18% APR. Understand how factors like economic conditions affect your borrowing. Find out more about interest rates and terms for 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?
How quickly can I get a decision on my loan application?
What are the typical interest rates for working capital loans?
What are the requirements for applying for a working capital loan?

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.
June 6, 2025

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Which Financing Is Best for Short-Term Business Needs?

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