FINANCE OPTIONS

^£900K Working Capital Loans - Apply Now

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

You can typically borrow between £10,000 and £2,000,000, depending on your business’s turnover, profit margins, and credit history. £900K is a common size for larger companies but your exact limit will be assessed by lenders during application.

Q: How long does approval and funding take?

Initial decisions are usually given within one to two weeks. Once approved, funds are often available two to four weeks later, depending on how quickly you provide the required documents and information.

Q: What rates and fees should I expect?

Interest rates for working capital loans generally range from 5% to 20% APR. You may also encounter application, arrangement, or early repayment fees. The precise rate depends on your business’s financial position and the chosen loan type.

Q: What types of working capital loans are available?

Main options include Revolving Credit Facilities, Invoice Financing, and Business Lines of Credit. Each offers different borrowing limits, terms, and funding flexibility depending on your business requirements and financial profile.

£900K Working Capital Loans provide UK businesses with flexible short-term funding to support daily operations. These loans are designed to cover cash flow gaps, purchase inventory, and meet other immediate expenses. By ensuring access to up to £900,000 in working capital, companies can manage unpredictable cash cycles, respond to opportunities, and take pressure off day-to-day costs. Quick access and a variety of options make working capital loans a favoured route for organisations needing efficient, adaptable finance solutions.

Secure up to £900,000 in £ Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £900,000 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 Working Capital Loans

Choosing a working capital loan offers businesses the flexibility and support needed to manage operational costs with confidence. Carefully structured to respond quickly to business needs, these loans help maintain healthy cash flow, ensure growth potential is not missed due to funding gaps, and offer versatile use of funds. Key benefits include:

Improves cash flow

Flexibility for expenses

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Revolving Credit Facility

A Revolving Credit Facility gives regular access to funds between £50,000 and £1,000,000, supporting UK businesses with at least two years of trading. Featuring terms from 6 to 24 months, it allows ongoing flexibility to manage cash flow and pay only on what is used.

Revolving Credit Facility

With a Revolving Credit Facility, eligible businesses can borrow as needed and repay on their schedule within the agreed term. This is ideal for managing seasonal swings in revenue or covering short-term inventory needs. Interest rates typically range from 5% to 15% APR, and the approval process takes around two to four weeks. Suitable for sectors like retail and wholesale handling variable cash flow demands.

Invoice Financing

Invoice Financing accelerates your cash flow by converting unpaid invoices into immediate cash. UK businesses issuing B2B invoices can access between £20,000 and £5,000,000 to unlock working capital, often within one to two weeks.

Invoice Financing

Through Invoice Financing, businesses submit unpaid invoices to a funder, who advances a large portion of the value and collects a small fee when customers pay. Typical fees are 1% to 3% per invoice. Open-ended by nature, this solution is suitable for manufacturing and logistics companies, or any business facing long payment terms from customers.

Business Line of Credit

A Business Line of Credit offers UK SMEs fast access to flexible funding from £10,000 to £500,000. With terms of 6 to 60 months and drawdowns as needed, it’s suited for covering emergencies or short-term operational costs.

Business Line of Credit

Ideal for established SMEs with steady revenue, the Business Line of Credit sets a borrowing limit after a simple eligibility assessment. Draw funds as business expenses arise, repaying with interest rates between 8% and 20% APR. Professional services and IT firms often favour this option for its flexibility and manageable repayment terms, with application decisions given in one to three weeks.

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 Apply for a £900K Working Capital Loan

Provide Business Details

Fill out a Funding Agent inquiry form using the online application form with accurate details about your business and your funding requirements. This ensures a tailored lender match.

Get Matched

Receive a shortlist of lenders who are suited to your business needs and eligibility. This saves time and focuses your search on relevant finance options.

Submit Application

Choose your preferred lender, submit your application, and Funding Agent will assist you through the entire process for a smooth experience.

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?

How long does approval and funding take?

What rates and fees should I expect?

What types of working capital loans are available?

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August 20, 2025

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^£900K Working Capital Loans - Apply Now

^Benefits of Working Capital Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Revolving Credit Facility

Revolving Credit Facility

Invoice Financing

Invoice Financing

Business Line of Credit

Business Line of Credit

Typical Funding Journeys on Funding Agent

How to Apply for a £900K Working Capital Loan

Provide Business Details

Get Matched

Submit Application

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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