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390k Short Term Business Loans - Apply Now

A £390,000 short term business loan provides UK SMEs with rapid access to essential funding, ideal for managing immediate financial needs such as payroll, inventory procurement, and urgent operational expenses. As a dedicated funding agent, we facilitate this tailored financing solution to help businesses maintain cash flow stability and seize growth opportunities without long-term debt commitments.

Secure up to £390,000 in Short Term Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £390,000 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 390k Short Term Business Loans?

These loans ensure quick access to capital, requiring less documentation compared to long-term loans, with funds often available within days. With quick business finance, decision times are fast, typically within 24-72 hours, offering rate advantages based on risk assessment.

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Fast funding
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Flexible repayment options
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Boosts cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 390k Short Term Business Loans?

Merchant Cash Advance

A Merchant Cash Advance allows businesses with a stable transaction history to get £5,000 to £300,000, with terms from 3-12 months.

Merchant Cash Advance

The process involves receiving an advance against future credit card sales, with funds available quickly. Factor rates range from 1.1 to 1.5. This option is great for retail or hospitality sectors needing quick financing for inventory or equipment upgrades.

Invoice Financing

Invoice Financing enables companies with outstanding invoices to receive up to 90% of invoice value, assisting with cash flow for up to 12 months.

Invoice Financing

Typically approved within 24 hours, this lowers waiting periods for payments. Interest rates range from 1.5% to 3.5% per month. Ideal for companies like tech firms needing to bridge payment gaps.

Short Term Unsecured Business Loan

These unsecured loans range from £5,000 to £500,000, suitable for established businesses with good credit history.

Short Term Unsecured Business Loan

Interest rates are typically 6%-20% APR, with decisions made within 72 hours. Sectors like tech or hospitality often use them for expansion projects or marketing.

Typical Funding Journeys on Funding Agent

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What is a 390k Short Term Business Loan?

Application Process

The application for short term business loans usually requires financial statements and quick processing, with approvals between 24-72 hours.

Borrowing Capacity and Rates

All business loans in the UK must comply with FCA regulations, ensuring consumer safety and financial transparency.

Borrowing Capacity and Rates

These loans cater to borrowing needs ranging from £1,000 to £500,000, influenced by business creditworthiness and industry type.

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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 much can I borrow with a short term business loan?
How quickly can I get approved for a short term loan?
What are the interest rates for short term business loans?
What are the eligibility criteria for these loans?

DIVE DEEPER

June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

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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.
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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