FINANCE OPTIONS

400k Working Capital Loans – Apply Now

A £400,000 working capital loan from Funding Agent provides UK SMEs with crucial financial support to manage essential operating expenses, including payroll, inventory procurement, and supplier payments. This substantial funding amount enables businesses to maintain steady cash flow, ensuring uninterrupted operations and positioning them for sustainable growth. Access to this level of working capital is an effective solution for firms seeking to stabilise finances and meet short-term financial obligations with confidence.

Secure up to £400,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £400,000 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 400k Working Capital Loans?

Our working capital loans enhance cash flow management, enabling quick opportunity capture. With amounts up to £5 million, learn more through term loans for effective solutions.

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Quick access to funds
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Improved cash flow
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Flexible repayment terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 400k Working Capital Loans?

Term Loans

Term loans offer amounts from £50,000 to £5 million over 12-60 months. Ideal for inventory and equipment. Explore the term loans.

Term Loans

With competitive interest rates from 6%, these loans support inventory purchases and equipment upgrades. Approval requires a solid business plan and credit checks. Examples include retail and manufacturing sectors. Delve into term loans.

Invoice Financing

Invoice financing covers up to 85% of invoices, speeding up cash flow with 24-72 hour decisions. Learn more at invoice financing.

Invoice Financing

This financing bridges cash flow gaps against invoices, crucial for tech and wholesale sectors operating with large client orders. Quick decisions and ongoing lender relationships enhance flexibility. Investigate further here.

Business Line of Credit

Access £10,000 to £500,000 with 0.75% interest rates when funds are drawn. Understand more about business loans.

Business Line of Credit

Flexible lines help manage unexpected expenses with ease of access once approved. Hospitality and online retail businesses greatly benefit. Discover how this can aid your business.

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 400k Working Capital Loan?

Application Process

Approval requires basic business documentation, with initial decisions from 24 hours. Speed exceeds via efficient lender operations. Explore fast applications at our portal.

Borrowing Capacity

Compliancy with FCA regulations ensures fair treatment and clear terms. Our expertise guarantees transparency. Verify compliance at working capital solutions.

Borrowing Capacity

With lending amounts capped at £5 million, eligibility is influenced by financial standing. Our fair assessment promotes ideal funding. Learn more about asset finance.

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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 working capital loan?
How quickly can I get a decision?
What are the typical interest rates?
What are the eligibility requirements?

DIVE DEEPER

August 20, 2025

What Is a Working Capital Loan?

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How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

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