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90k Working Capital Loans Apply Now

A £90,000 working capital loan from Funding Agent provides UK SMEs with vital financial support to effectively manage essential business operations such as payroll, inventory procurement, and day-to-day expenses. This tailored funding solution helps businesses overcome cash flow fluctuations, ensuring continuous operational stability and growth opportunities.

Secure up to £90,000 in Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £90,000 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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What are the benefits of 90k Working Capital Loans?

These loans offer several advantages, including flexible repayment terms tailored to your cash flow, and often do not require fixed assets as collateral. With decision timescales ranging from 24 hours to 2 weeks, businesses can expect funds within 5 business days post-approval. Learn more about how our working capital solutions can support your operations.

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Quick access to funds
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Improves cash flow
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Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 90k Working Capital Loans?

Bank Overdrafts

Bank Overdrafts are accessible for businesses with a stable account and good credit history, typically offering up to £100,000 with annual reviews. Explore detailed insights on overdraft facilities for seamless cash flow management.

Bank Overdrafts

For businesses needing quick cash flow solutions, Bank Overdrafts offer amounts up to £100,000. With an annual review term and interest rates ranging from 3% to 7% above base rates, they are ideal for managing unexpected expenses. Discover the benefits of utilizing overdrafts in varying sectors.

Invoice Financing

Invoice Financing enables you to receive up to 90% of your invoice value, typically between £10,000 and £500,000, within 24 to 72 hours. Suitable for services in industries with long payment cycles. Find out about our invoice finance solutions.

Invoice Financing

Ideal for manufacturing companies, Invoice Financing offers rapid funds by leveraging unpaid invoices, providing up to 90% of their value at competitive rates of 1% to 3% of invoice value per month. Sector-specific benefits can be explored further in our financial guides.

Merchant Cash Advances

Merchant Cash Advances provide £5,000 to £300,000 with repayment through daily card sales, suitable for businesses with at least £5,000 in monthly sales. Explore how merchant advances can drive your business forward.

Merchant Cash Advances

Hospitality businesses benefit most from Merchant Cash Advances, which offer flexible repayments aligned with daily card sales, making them ideal for seasonal activity boosts. Learn more about the advantages of such strategic funding solutions through our merchant cash advance guide.

Typical Funding Journeys on Funding Agent

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Our platform enriches your application using business data
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What is a 90k Working Capital Loan?

Application Processes

The application process for working capital loans is straightforward, typically involving online forms and submission of financials. Decision time varies from 24 hours to 2 weeks, providing efficiency in addressing cash needs. Discover our expert guidance on application processes.

Borrowing Capacity

UK working capital loans are regulated by the FCA, ensuring compliance with consumer credit laws. This secure framework mandates transparent term disclosures to SMEs. Explore more about regulations through our dedicated compliance resources.

Borrowing Capacity

Businesses can secure loans from £5,000 to £500,000, influenced by factors like revenue and creditworthiness. Typical interest ranges from 3% to 25% APR. Understand your capacity and benefit from strategic financial insights by visiting our borrowing guide.

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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.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with a working capital loan?
How quickly can I get an initial decision?
What are the typical interest rates on working capital loans?
What are the eligibility requirements for working capital loans?

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.
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.
June 6, 2025

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

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

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