FINANCE OPTIONS

^£800K Working Capital Loans - Apply Now

Q: What is the typical amount I can borrow with a £800K Working Capital Loan?

You can usually borrow between £10,000 and £1,000,000, but the maximum is determined by your business turnover, credit history, and lender assessment.

Q: How quickly can I get funding after approval?

Once your application is approved, funds are typically available within 1 to 2 weeks, depending on how complete your application is and any lender processing times.

Q: What rates and fees can I expect?

Typical interest rates range from 6% to 20% APR. Additional fees may include arrangement costs and charges for late payments, depending on your chosen product.

Q: What types of working capital loans are available?

The main types are Invoice Financing, Overdraft Facilities, and Short-term Business Loans. Each has different eligibility criteria and offers unique advantages for managing cash flow.

£800K Working Capital Loans give UK businesses rapid access to funding for day-to-day operations. This short-term finance solution is designed to help SMEs cover operational expenses and manage cash flow fluctuations without the burden of long-term debt. Common benefits include quick access to cash, improved day-to-day cash flow, and flexibility to bridge gaps during busy or quiet periods. These loans help businesses sustain smooth operations, especially when facing delayed payments or seasonal demand changes.

Secure up to £800,000 in £ Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £800,000 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 Working Capital Loans

Working capital loans offer reliable support for managing business cash flow challenges. They are especially valuable when funds are needed quickly, or where repayment needs to fit variable income streams. Below are the main advantages for UK businesses considering this finance option:

Quick access to funds

Improved cash flow

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Invoice Financing

Invoice Financing lets you unlock funds tied up in unpaid invoices. Suitable for businesses with a trading history and issued invoices, it offers up to 90% of invoice value within 24 to 48 hours.

Invoice Financing

With Invoice Financing, a lender purchases your outstanding invoices, immediately advancing most of their value. This service streamlines cash flow and is particularly useful in sectors where payment terms can be long. It is accessible to firms with at least six months’ trading history and a solid credit record.

Overdraft Facility

An overdraft facility is attached to your business current account, allowing you to manage short-term cash shortages up to a set limit, with annual reviews and flexible access to funds.

Overdraft Facility

This facility helps businesses address unexpected expenses or periods of cash flow fluctuation. Eligibility usually requires at least one year's trading and a strong financial management track record. Overdrafts are especially helpful for sectors subject to seasonal peaks or variable sales cycles. Consider overdraft alternatives for additional flexibility.

Short-term Business Loan

Short-term business loans provide a fixed sum with structured repayments over 3 to 24 months, suitable for covering operational expenses or bridging cash flow gaps.

Short-term Business Loan

These loans are available to UK registered businesses operating for at least two years with a minimum turnover of £100,000. They offer predictable repayments and can fund anything from emergency expenditures to stabilising operations during quieter periods. Funding amounts range up to £1,000,000 to suit medium and larger needs.

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 Access a Working Capital Loan with Funding Agent

Assess Your Needs

Work out your cash flow gap using the online application form and decide the amount you need to borrow for operational requirements.

Compare Options

Use Funding Agent’s platform to compare lenders and working capital loan offerings, all in one place.

Submit Application

Apply securely online by uploading your recent accounts, bank statements, and identification documents through our portal.

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 amount I can borrow with a £800K Working Capital Loan?

How quickly can I get funding after approval?

What rates and fees can I expect?

What types of working capital loans are available?

DIVE DEEPER

August 20, 2025

What Is a Working Capital Loan?

Learn how working capital loans support day-to-day business costs, their pros and cons, and how to qualify. Ideal for UK SMEs needing short-term funding.

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.

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.

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^£800K Working Capital Loans - Apply Now

Key ^Benefits of Working Capital Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Invoice Financing

Invoice Financing

Overdraft Facility

Overdraft Facility

Short-term Business Loan

Short-term Business Loan

Typical Funding Journeys on Funding Agent