FINANCE OPTIONS

380k Working Capital Loans – Apply Now

A £380,000 working capital loan from Funding Agent provides UK SMEs with essential financial support to effectively manage critical operational costs such as payroll, inventory procurement, and day-to-day expenses. This substantial funding solution enables businesses to maintain cash flow stability and optimise growth opportunities without compromising financial flexibility. Tailored for companies needing immediate capital injection, it is a strategic tool to strengthen business resilience in a competitive market.

Secure up to £380,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £380,000 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 380k Working Capital Loans?

These loans offer flexibility, quick access to funds, and help cover operational expenses without using equity financing. With amounts between £10,000 and £380,000, and approval within 1 week, they are a strategic solution for many businesses.

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Increased cash flow
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Quick funding access
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Flexibility in use

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 380k Working Capital Loans?

Revolving Credit Facility

Revolving Credit Facility allows businesses to borrow between £10,000 to £380,000 with terms of 6 to 36 months. Eligibility includes a minimum of 6-month trading history and a good credit score. [LINK]

Revolving Credit Facility

This facility aids in managing cash flow, purchasing inventory, and covering unexpected expenses. With interest rates between 6% and 20% APR and a decision time of about a week, it serves industries like retail and hospitality. [LINK]

Invoice Financing

Invoice Financing provides up to 90% of invoice value, with terms of 1 to 12 months. It is best suited for SMEs with reliable client bases. [LINK]

Invoice Financing

This loan type bridges cash gaps from unpaid invoices, offering quick approval in 1 to 3 days. It is ideal for tech companies and manufacturers dealing with bulk order invoices. [LINK]

Term Loan

Term Loans provide between £25,000 to £380,000 over 12 to 60 months. They are available to businesses with at least 2 years of trading history and profitability. [LINK]

Term Loan

With interest rates from 5% to 15% APR and decision time of 2 to 4 weeks, these loans support operations expansion and equipment investment. Ideal for manufacturing and tech startups. [LINK]

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 380k Working Capital Loan?

Application Process

The application process involves financial documentation and credit checks, with timelines varying by lender. Our digital solutions streamline this for quicker decisions.

Borrowing Capacity

UK providers must comply with FCA regulations, ensuring fair and transparent lending terms. Our expertise ensures that all compliance aspects are handled smoothly. [LINK]

Borrowing Capacity

Borrowing amounts depend on trading history and credit score, with factors affecting rates including economic conditions. Our offerings are tailored to meet your specific financial needs. [LINK]

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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 basic eligibility requirements for these loans?

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 30, 2025

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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.

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