FINANCE OPTIONS

400k Short Term Business Loans - Apply Now

A £400,000 short term business loan provides UK SMEs with a flexible funding solution to manage critical cash flow needs, such as payroll, inventory replenishment, and urgent operational expenses. Funding Agent enables businesses to access this capital quickly, ensuring they maintain stability and seize growth opportunities without long-term financial commitments. This tailored loan supports companies in navigating temporary financial challenges while maintaining day-to-day operations.

Secure up to £400,000 in Short Term Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £400,000 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 400k Short Term Business Loans?

These loans offer rapid access to capital, versatile use-cases, and flexible collateral options. Businesses can often secure decisions within 24 to 72 hours, with competitive rates ranging from 7% to 15% APR. More on top providers.

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Quick access to funds
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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 400k Short Term Business Loans?

Bridging Loans

Bridging Loans require viable exit strategies and collateral. Typical amounts range from £25,000 to £500,000 with terms of 1 to 18 months. Explore Bridging Loans.

Bridging Loans

Interest rates for Bridging Loans are between 0.4% to 1.5% per month. Often used for property purchases and cash flow management within real estate, construction, or retail sectors. Visit our page on Bridging Loans for Small Businesses.

Merchant Cash Advances

Merchant Cash Advances are ideal for businesses with consistent card sales. Amounts vary from £5,000 to £300,000 over 3 to 12 months. Discover more about Merchant Cash Advances.

Merchant Cash Advances

These advances come with factor rates of 1.1 to 1.5, often used for inventory purchases and marketing in the hospitality or retail sectors. Quick decisions and funds within days are typical. Find out more about cash advances.

Invoice Financing

Invoice Financing suits B2B companies with outstanding invoices, offering up to 90% of the invoice value. Learn more about Invoice Financing.

Invoice Financing

Typically, funds are available quickly, helping manage cash flow and cover expenses in manufacturing or tech industries. Rates vary, making it a flexible financial solution. More insights on finance options.

Typical Funding Journeys on Funding Agent

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What is a 400k Short Term Business Loan?

Application Process

Applying for a 400k Short Term Business Loan involves online applications or working with brokers. Decisions are commonly made within 24 to 72 hours, ensuring rapid access to funds. Learn about the application process.

Borrowing Capacity and Rates

In the UK, loans must comply with FCA regulations. Proper documentation, including financial statements and proof of collateral, is crucial. Understand the regulatory aspects.

Borrowing Capacity and Rates

400k Short Term Business Loans offer borrowing capacities affected by revenue and creditworthiness. Rates range from 7% to 15% APR, influenced by industry and risk. Delve into our rate discussions.

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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

How much can I borrow with a 400k Short Term Business Loan?
How quickly can I get a decision on a 400k Short Term Business Loan?
What are the typical rates for 400k Short Term Business Loans?
What are the eligibility requirements for 400k Short Term Business Loans?

DIVE DEEPER

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.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.
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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