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390k Working Capital Loans - Apply Now

A £390,000 working capital loan provides UK SMEs with substantial financial flexibility to effectively manage operational expenses such as payroll, inventory procurement, and supplier payments. Offered by Funding Agent, this tailored lending solution supports businesses in maintaining smooth cash flow and tackling short-term financial challenges, enabling sustained growth and resilience in a competitive market.

Secure up to £390,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £390,000 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 390k Working Capital Loans?

The key benefit of working capital loans is the financial flexibility they offer, enabling businesses to meet immediate operational needs without depleting cash reserves. With borrowing amounts ranging from £1,000 to £500,000 and decision times often within 24 hours, these loans cater to both small and large enterprises. Take advantage of swift funding solutions tailored to your needs by understanding the potential of unsecured working capital loans.

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Improved cash flow
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Quick access to funds
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Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 390k Working Capital Loans?

Term Loans

Term loans provide businesses with fixed amounts ranging from £5,000 to £500,000, repayable over 12 to 60 months. Eligibility typically requires SMEs with a trading history of at least two years. Discover how term loans can support your company's growth.

Term Loans

Offering interest rates between 7% to 15%, term loans are ideal for financing payroll, purchasing inventory, and covering other operational expenses. The application process involves submitting business financials such as cash flow statements and profit and loss records. Learn more about the advantages of choosing term loans for small businesses.

Invoice Financing

Invoice financing allows businesses to borrow up to 90% of their invoice value, with quick approval times from 24 to 48 hours. This option is perfect for SMEs awaiting client payments. Explore how invoice financing assists your cash flow management.

Invoice Financing

This financing type offers interest rates from 1.5% to 3.5% per invoice plus service fees. Especially beneficial for retail sectors, it helps maintain stock levels and ensure timely supplier payments. Gain insights into invoice financing for marketing agencies.

Business Overdrafts

Business overdrafts offer quick access to up to £250,000, ideal for managing cash flow fluctuations. An existing relationship with the bank can be advantageous. Investigate how business overdrafts can benefit your operations.

Business Overdrafts

Typically reviewed annually, overdrafts are a flexible alternative to formal loans, often used by hospitality businesses to cope with customer demand variations. Secure the financial buffer your business needs with a flexible business loan.

Typical Funding Journeys on Funding Agent

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Our platform enriches your application using business data
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What is a 390k Working Capital Loan?

Application Processes and Timelines

Applying for a working capital loan involves submitting tax returns, bank statements, and, if necessary, asset security details. Decisions can range from 24 hours to two weeks, depending on the documentation's accuracy and lender type. Gain a competitive edge by streamlining your application with our business loan expertise.

Understanding Borrowing Capacity and Rates

All lenders must be regulated by the Financial Conduct Authority to ensure fair lending practices and consumer protection. This guarantees a secure borrowing environment for businesses. Trust our expertise to navigate FCA-compliant lending frameworks.

Understanding Borrowing Capacity and Rates

The borrowing capacity for working capital loans is influenced by business revenue, creditworthiness, existing debt, and specific lender policies. Typical interest rates range from 1.5% to 15% APR, with factors such as the applicant's credit score playing a significant role. Optimize your borrowing strategy with our competitive loan offerings.

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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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FAQ’S

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