FINANCE OPTIONS

^420k Working Capital Loans – Apply Now

Q: How much can I borrow with a working capital loan?

Businesses can typically borrow anywhere from £10,000 up to £2 million, depending on the specifics of the loan product and the company's financial health and creditworthiness.

Q: How quickly can I get a decision on my application?

For most working capital loans, initial decisions are made within 48 hours, with funds becoming available between 1 to 5 business days post-approval.

Q: What are the typical interest rates for working capital loans?

Interest rates range between 5% and 15% annually, influenced by factors like loan size, credit score, and repayment terms.

Q: What are the eligibility requirements for these loans?

Eligibility varies but generally includes having a stable turnover, good credit history, and meeting minimum trading period requirements, such as one year for term loans.

Working capital loans are essential financial tools that support businesses by covering short-term operational needs such as payroll and rent. These loans differentiate from those meant for long-term investments, facilitating daily business functions without the need to offload equity or assets.

Working Capital Loans

Secure up to £500,000 in Working Capital Loans with Funding Agent.

Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of 420k Working Capital Loans?

Utilizing working capital loans can significantly enhance a business's cash flow, providing flexibility in managing expenditures. Companies can promptly access funds typically within 1 to 5 business days after approval, which is often granted in as little as 48 hours. Opting for such financing, businesses can enjoy competitive interest rates, usually ranging between 5% and 15% annually. Unsecured options further offer attractive terms for startups and SMEs.

Improved cash flow

Flexible repayment terms

Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 420k Working Capital Loans?

Term Loans

Term Loans cater to UK businesses with a trading history of at least one year and a minimum turnover of £100,000. These loans range from £10,000 to £500,000, with lending terms from 6 to 60 months. Explore various options to support business growth.

Term Loans

Designed for diverse uses like stock purchases and payroll, Term Loans offer interest rates between 6% to 15% per annum and decisions within 1 to 2 weeks. This makes them ideal for sectors such as retail that need to replenish stock before peak seasons. Learn more about how these loans operate in different industries.

Revolving Credit Facilities

Revolving Credit Facilities suit businesses with a strong credit history and stable cash flow, providing amounts from £10,000 to £2 million. Terms range from 12 to 36 months. Discover how this works for seasonal expense management.

Revolving Credit Facilities

This facility helps manage cash flow gaps with interest rates from 5% to 12% and decisions within 5 to 10 business days. It's particularly beneficial for the hospitality industry during revenue fluctuations. See how recruitment firms leverage this tool.

Invoice Financing

Ideal for companies with a minimum of £50,000 in annual invoices, Invoice Financing can cover up to 90% of invoice value. Lending varies between 30 to 120 days. Leverage your invoices to improve cash flow quickly.

Invoice Financing

Invoice Financing accelerates cash flow by advancing up to 90% of invoices value within 24 to 48 hours of approval with fees ranging from 1% to 5%. Manufacturing companies often use it to capitalize on large invoices. Find specific examples in different sectors.

What is a 420k Working Capital Loan?

Application Process

The application process for a working capital loan generally involves filling out an online form, providing financial forecasts, and possibly securing personal guarantees. Initial decisions can be received within 48 hours, while funds generally become available within 1 to 5 business days after approval. Explore detailed steps for successful application.

Regulatory Requirements

Lenders providing working capital loans must adhere to Financial Conduct Authority (FCA) guidelines, ensuring all UK banking compliance and regulations are met. This ensures borrowers receive fair and transparent terms. See regulatory insights for more assurance.

Borrowing Capacity and Rates

Factors affecting the borrowing amount include creditworthiness, annual turnover, and historical performance, with a typical range of £10,000 to £2 million. Interest rates, usually 5% to 15%, vary with credit scores and loan terms. Compare rate details to find the best fit for your business.

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FAQ’S

How much can I borrow with a working capital loan?

How quickly can I get a decision on my application?

What are the typical interest rates for working capital loans?

What are the eligibility requirements for these loans?

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August 20, 2025

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^420k Working Capital Loans – Apply Now

What are the ^benefits of 420k Working Capital Loans?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 420k Working Capital Loans?

Term Loans

Term Loans

Revolving Credit Facilities

Revolving Credit Facilities

Invoice Financing

Invoice Financing