FINANCE OPTIONS

^360k Working Capital Loans - Apply Now

Q: How much can I borrow with a working capital loan?

Businesses can borrow between £5,000 and £500,000, depending on their creditworthiness and the specific lender criteria.

Q: How quickly can I get a decision on my working capital loan application?

Decision times vary by loan type, with invoice financing offering initial decisions in 1-2 days, while traditional loans can take up to 4 weeks.

Q: What are the typical interest rates for a working capital loan?

Interest rates range widely from 3% to 60% APR, influenced by factors like the type of loan, business credit score, and financial history.

Q: What are the eligibility requirements for securing a working capital loan?

Eligibility typically includes having a good credit history, a minimum turnover, and operational trading history. Some lenders may also require personal guarantees or collateral.

A £360,000 working capital loan provides UK SMEs with substantial financial flexibility to cover essential operational costs such as payroll, inventory acquisition, and day-to-day expenses. As a trusted Funding Agent, we facilitate access to this capital to help businesses maintain cash flow stability and support ongoing growth without compromising long-term investments. This tailored funding solution is ideal for enterprises seeking to strengthen their financial position and manage short-term obligations effectively.

Secure up to £360,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £360,000 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 360k Working Capital Loans?

Working capital loans offer several key benefits, including improved cash flow, enabling businesses to cover everyday operational costs and seize emerging opportunities without straining existing reserves. With borrowing amounts ranging from £5,000 to a substantial £500,000 and swift decision times, these loans can be tailored to meet specific business needs, making them a versatile addition to any financial strategy.

Quick access to funds

Flexible repayment options

Boosts cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 360k Working Capital Loans?

Traditional Bank Loans

Traditional bank loans offer funding from £30,000 to £500,000 over 12 to 60 months, designed for businesses with solid credit histories. They are suitable for upgrading equipment, stabilising cash flows, or significant inventory purchases.

Traditional Bank Loans

Traditional bank loans require a comprehensive application process that typically includes financial statements, credit checks, and possibly a business plan. Decision times can span from two to four weeks, making this option ideal for businesses with planned financial requirements. Interest rates range from 3% to 12%, offering a cost-effective way to finance large-scale projects.

Invoice Financing

Invoice financing releases up to 85% of the invoice value, giving companies immediate liquidity. It's ideal for businesses waiting on client payments, particularly within tech and manufacturing industries.

Invoice Financing

With decision times as short as one to three days, invoice financing allows businesses to maintain a healthy cash flow by advancing funds against outstanding invoices. Interest rates range from 1.5% to 5% of the invoice value, and it's particularly effective for firms dealing with high invoicing volumes and long payment cycles.

Merchant Cash Advances

Merchant cash advances offer flexible funding of £5,000 to £300,000, repayable as a percentage of daily card sales, suited for businesses with regular credit/debit card transactions.

Merchant Cash Advances

This form of financing can be accessed quickly, usually within 24 to 48 hours, and is perfect for covering short-term deficits or purchasing seasonal stocks. Merchant cash advances come with factor rates of 1.1 to 1.5, equating to an APR of 20% to 60%, providing dynamic repayment flexibility tied directly to sales performance.

What is a 360k Working Capital Loan?

Application Processes and Decision Times

The application process for working capital loans often involves submitting detailed financial records and proving business viability. Decision times vary significantly, ranging from one to two days for invoice financing to up to four weeks for traditional loans. Our digital-first application process strives to simplify this procedure, allowing businesses to focus on growth rather than paperwork.

Regulatory and Compliance Requirements

UK lenders are required to be regulated by the Financial Conduct Authority (FCA), ensuring all loan agreements comply with the Consumer Credit Act where applicable. This regulatory framework provides a level of protection and transparency to borrowers, a standard that our solutions are built upon.

Determining Borrowing Capacity and Rates

The borrowing capacity for working capital loans depends on various factors including business credit score, financial history, and annual turnover. Rates can range from 3% to 60% APR, influenced by the type of financing and the lender. Our tailored solutions consider all these aspects, offering competitive rates and customized borrowing amounts to fit your business needs.