FINANCE OPTIONS

^460k Working Capital Loans - Apply Now

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

With a working capital loan, businesses can access anywhere from £5,000 to £5,000,000. The exact amount depends on creditworthiness, business revenue, and industry risk profile. These loans are tailored to meet specific financial needs, providing flexibility for businesses.

Q: How quickly can I get a decision on a working capital loan?

Decisions on working capital loans can be made within 24 hours to 2 weeks. Once approved, the funds are typically available in 1 to 3 days, allowing businesses to swiftly respond to cash flow needs.

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

Typical interest rates for revolving credit facilities range from 5.9% to 19.9% APR, while invoice financing rates are between 1% to 3% per month. These rates are influenced by business credit scores and industry risk.

Q: What are the eligibility criteria for a working capital loan?

Eligibility for working capital loans often requires a sound credit history, proof of revenue, and a trading history of at least two years, especially for revolving credit facilities. Specific requirements vary by lender and loan type.

A £460,000 working capital loan provides UK SMEs with substantial financial support to effectively manage essential operational expenses such as payroll, inventory procurement, and supplier payments. Offered by Funding Agent, this tailored capital solution helps businesses maintain steady cash flow, enabling continued growth and resilience in competitive markets. Access to this level of funding ensures companies can confidently navigate short-term financial demands without compromising long-term objectives.

Secure up to £460,000 in Working Capital Loans with Funding Agent.

Secure up to £500,000 in Secure up to £460,000 in Working Capital Loans with Funding Agent. 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 460k Working Capital Loans?

Working capital loans offer quick access to necessary funds, flexibility in maintaining business operations, and the potential to seize short-term market opportunities without equity dilution. With options ranging from £5,000 to £5,000,000, and decisions made within days, our revolving credit loans cater to various business needs efficiently.

Quick access to funds

Boosts cash flow

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 460k Working Capital Loans?

Revolving Credit Facility

Revolving credit facilities require a trading history of at least 2 years, with amounts ranging from £10,000 to £5,000,000 available over terms of 12 to 36 months. Credit facilities are ideal for managing cash flow gaps and funding recurring needs.

Revolving Credit Facility

Revolving credit allows businesses to access funds as needed, paying interest only on the amount used. Interest rates range from 5.9% to 19.9% APR, with decisions made within 1 to 2 weeks. This type of financing supports sectors such as retail in financing stock purchases and manufacturers in managing seasonal demand. Explore more on this topic at credit facilities.

Invoice Financing

Invoice financing solutions are available to businesses with a minimum annual turnover of £100,000 and allow access to up to 90% of invoice values. This type of financing is ideal for firms with longer payment terms. Learn about invoice factoring.

Invoice Financing

By converting unpaid invoices into immediate cash, invoice financing improves liquidity and eases cash flow management. Rates range from 1% to 3% per month, with funds accessible within 24 to 48 hours. Sectors such as technology and wholesale benefit greatly from this, as detailed with invoice factoring.

Merchant Cash Advance

Merchant cash advance options cater to businesses with a credit/debit sales history, providing £5,000 to £200,000 based on future sales. This facility is ideal for seasonal industries. Explore how you can benefit from a cash advance.

Merchant Cash Advance

Merchant cash advances offer flexible repayment linked to daily card transactions, with factor rates typically between 1.1 and 1.5. Decision times are swift, between 24 to 72 hours, which suits restaurants and retail businesses needing to adjust quickly. Delve into the advantages of a cash advance here.

What is a 460k Working Capital Loan?

Application Process & Decision Times

The application process for working capital loans involves submitting financial statements and business plans, with approval generally faster than traditional loans, often taking just 1 to 3 days post-approval. For more on application processes, visit our detailed guide.

Regulatory & Compliance Requirements

Lenders offering working capital loans in the UK must comply with FCA regulations, including anti-money laundering protocols and fair contract terms. Understanding these regulations ensures compliance, facilitated through our resources at unsecured loans.

Borrowing Capacity & Rates

The borrowing capacity for working capital loans can vary depending on creditworthiness, revenue, and industry risk. Typical rates for these loans range from 5.9% to 19.9% APR. Ensure you get competitive rates by exploring options like unsecured loans.