FINANCE OPTIONS

^£850K Working Capital Loans - Apply Now

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

You can typically borrow between £10,000 and £1,000,000 with a working capital loan. The amount available to your business depends on your creditworthiness, cash flow, and existing financial obligations.

Q: What factors affect working capital loan approval speed?

Approval times mainly depend on the completeness and accuracy of your documents, your business credit score, and the lender’s current queue times. Most initial decisions take 1 to 2 weeks if all information is provided promptly.

Q: What are the usual interest rates and fees for these loans?

Interest rates for working capital loans generally range from 6% to 15% APR. Additional charges may include arrangement fees, admin charges, or early repayment penalties depending on the lender and loan structure.

Q: Are there different types of working capital loans?

Yes, common types include term loans, overdraft facilities, and invoice financing. Each type offers different borrowing amounts, rates, and repayment terms to suit various cash flow needs and business profiles.

£850K working capital loans provide UK SMEs with essential liquidity to manage operational expenses, payroll, and inventory purchases. This type of finance helps businesses handle cash flow cycles and meet daily requirements even when revenue is delayed or unpredictable. By accessing a working capital loan, businesses can ensure they have flexibility to react to growth opportunities, keep operations running smoothly, and manage seasonal demand. These loans offer flexibility, short to medium terms, and can be tailored to different needs, making them a popular choice for ongoing business support.

Secure up to £850,000 in £ Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £850,000 in £ Working Capital Loans with Funding Agent. with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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^Benefits of a Working Capital Loan

Working capital loans are designed for flexible, short-term funding to help your business operate daily with confidence. With clear rates and decision times, this finance type helps businesses address immediate costs, maintain operations through revenue fluctuations, and access tailored repayment options suitable for many UK SMEs.

Improves cash flow

Flexible repayment terms

Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Term Loan

Term loans provide a lump sum, repaid over 6 to 36 months. These are suited to established businesses looking to fund expansion, manage payroll, or purchase inventory, with typical amounts between £50,000 and £1,000,000.

Term Loan

Term loans are suitable for businesses with at least 2 years’ trading history and positive cash flow. The process involves applying through an online portal, submitting financial statements, and awaiting a decision, usually within 1 to 2 weeks. Interest rates range from 6% to 15% APR, and funds can be used for a broad range of working capital needs, such as business growth or seasonal stock purchases.

Overdraft Facility

An overdraft facility lets SMEs with a strong credit history draw funds as needed from their business account, up to £500,000, typically for 12 to 24 months on a revolving basis.

Overdraft Facility

Overdrafts are flexible, allowing companies to borrow only what they require at any time. Decision times are usually a few days to a week. Interest is paid only on amounts used, with annual rates typically from 5% to 12%. This helps businesses cover temporary cash flow gaps, delays in invoice payments, or unexpected expenses.

Invoice Financing

Invoice financing provides advances of up to 90% of outstanding invoice values, helping businesses unlock cash tied up by customer invoices, usually within 24 to 48 hours.

Invoice Financing

This solution suits businesses with unpaid invoices and a strong customer base. Funds are advanced quickly by submitting invoices to a financier, who deducts a fee of 1% to 5% monthly. Terms are linked to invoice due dates. Logistics and service companies often use invoice financing to accelerate collections and maintain healthy cash flow.

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

Complete Online Form

Enter basic details about your business on Funding Agent’s website using the online application form to begin the application process and receive relevant offers.

Receive Offers

Compare a range of loan offers that suit your requirements, including term length, rates, and provider criteria, all in one place.

Accept and Fund

Choose the offer that best fits your needs, finalise your agreement, and receive funds after quick final checks and approval.

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

How much can I borrow with a working capital loan?

What factors affect working capital loan approval speed?

What are the usual interest rates and fees for these loans?

Are there different types of working capital loans?

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August 20, 2025

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^£850K Working Capital Loans - Apply Now

^Benefits of a Working Capital Loan

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Term Loan

Term Loan

Overdraft Facility

Overdraft Facility

Invoice Financing

Invoice Financing

Typical Funding Journeys on Funding Agent

How to Access a Working Capital Loan with Funding Agent

Complete Online Form

Receive Offers

Accept and Fund

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

What Is a Working Capital Loan?

Which Financing Is Best for Short-Term Business Needs?

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

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