FINANCE OPTIONS

^£650K Working Capital Loans - Apply Now

Q: What is the typical borrowing range for these loans?

Most working capital loans offer from £5,000 up to £1,000,000. The exact amount you can borrow will depend on turnover, credit history, and the stability of your business’s cash flow.

Q: How quickly can funds be available?

Initial decisions are usually reached within 1 to 5 business days, with funds often available within a week after approval, provided your application and financial records are complete.

Q: What rates and fees should I expect?

Rates usually range from 4% to 12% APR, depending on the product and your business’s profile. Additional charges might include processing or arrangement fees, and sometimes early repayment fees.

Q: What types of working capital loans can I access?

Options include revolving credit facilities, invoice financing, and merchant cash advances. Each product varies in terms of eligibility, typical amounts, and speed, allowing you to choose the best fit for your situation.

£650K Working Capital Loans provide UK businesses with accessible short-term financing to cover operational expenses, manage cash flow gaps, or fund growth without impacting day-to-day operations. As a type of working capital loan, these facilities are designed to support everyday costs such as payroll, inventory, and supplier payments. By maintaining operational efficiency and bridging short-term funding needs, businesses can respond quickly to new opportunities or seasonal fluctuations, ensuring smoother working capital management throughout the year.

Secure up to £650,000 in £ Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £650,000 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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Key ^Benefits of £650K Working Capital Loans

Working capital loans offer targeted advantages for UK businesses needing flexible, quick access to funds. These solutions preserve cash flow, help overcome financial challenges, and allow companies to take positive action without long waits. Pricing typically ranges from 4% to 12% APR, with decisions made in as little as 1 to 5 business days.

Flexible repayment options

Quick funding availability

Boosts cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans Available

Revolving Credit Facility

Revolving Credit Facilities let eligible UK businesses draw funds as needed, up to a limit, making them suitable for managing seasonal or regular fluctuations in working capital.

Revolving Credit Facility

Often used by businesses with at least two years of trading history and stable cash flow, revolving credit provides access to £50,000 to £1,000,000 over six to thirty-six months. Interest is charged only on drawn funds, at 4% to 12% APR. Approval can take 2 to 5 business days, supporting sectors like retail and manufacturing that frequently handle fluctuating cash flow.

Invoice Financing

Invoice financing unlocks up to 85% of the value of your unpaid invoices, designed for businesses that operate on invoiced terms with qualifying monthly turnover.

Invoice Financing

Invoice finance suits sectors such as construction and professional services by advancing cash against outstanding invoices, typically between £10,000 and £750,000. Terms last until invoices are paid, with fees from 1% to 5% of invoice value each month. This approach supports smoother operations when payments are delayed.

Merchant Cash Advance

Merchant Cash Advances allow eligible businesses to receive a lump sum based on projected credit card sales, with flexible repayment linked to future sales.

Merchant Cash Advance

Suitable for UK businesses processing regular card payments, amounts of £5,000 to £300,000 can be accessed quickly, typically within 1 to 2 days. Advances carry factor rates from 1.1 to 1.5, and repayments are automatically taken as a percentage of daily card takings, supporting sectors like retail and hospitality.

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

How to Get a Working Capital Loan with Funding Agent

Start Your Application

Complete our simple online application form by entering your business details to begin the process.

Submit Documents

Provide your recent financial statements and relevant business records so your application can be verified quickly and accurately.

Receive Funds

Once your application is approved, access the required funds to meet your working capital needs, often within a week.

Get Funding For your business

Generate offers

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.

FAQ’S

What is the typical borrowing range for these loans?

How quickly can funds be available?

What rates and fees should I expect?

What types of working capital loans can I access?

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^£650K Working Capital Loans - Apply Now

Key ^Benefits of £650K Working Capital Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans Available

Revolving Credit Facility

Revolving Credit Facility

Invoice Financing

Invoice Financing

Merchant Cash Advance

Merchant Cash Advance

Typical Funding Journeys on Funding Agent