FINANCE OPTIONS

^£950K Working Capital Loans - Get Approved Today

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

UK businesses can typically borrow between £5,000 and £1,000,000, depending on turnover, credit history, and lender policies. The exact amount offered will be based on your financial profile and how much working capital you need to manage your day-to-day operations.

Q: How quickly can I access funds?

Initial lending decisions are usually made within 1 to 5 business days. Once approved, funds are typically transferred to your business account in another two to three days, provided your documents and application are complete and any lender enquiries are swiftly addressed.

Q: What are the typical rates and fees for working capital loans?

Working capital loans generally come with interest rates from 4% to 12% APR, depending on your business performance and facility type. Additional fees—such as arrangement or service fees—may also apply based on the lender and loan structure selected.

Q: What types of working capital finance are available?

The main types include overdraft facilities (flexible access to extra funds), revolving credit facilities (ongoing, repay-and-redraw lines), and invoice financing (advancing cash against outstanding invoices). Each type meets different cash flow needs for UK SMEs.

£950K Working Capital Loans are designed to help UK SMEs manage their day-to-day operational expenses and navigate cash flow challenges. Rather than funding long-term projects or asset acquisitions, these loans ensure your business can meet its immediate commitments—like payroll, supplier payments, or inventory purchases. Key advantages include fast access to funds, flexible usage, and support in handling unexpected fluctuations or opportunities. With tailored solutions, such loans can safeguard the continuity and growth of your enterprise.

Secure up to £950,000 in £ Working Capital Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £950,000 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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^Benefits of Working Capital Loans

Working Capital Loans offer essential support to UK SMEs by providing rapid, flexible funding that helps bridge cash flow gaps. These loans are available with a range of competitive rates and decision times, making them practical for addressing short-term financial needs without long-term debt commitments.

Quick access to funds

Improves cash flow

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Finance

Overdraft Facility

An overdraft facility allows businesses to access additional funds beyond their account balance, ensuring cash is available when needed for short-term requirements.

Overdraft Facility

Overdraft facilities are suitable for UK-registered businesses with at least one year’s trading history and a positive credit record. They typically offer amounts from £5,000 up to £500,000, with facilities reviewed every 12 to 18 months. Decisions can be made in as little as one to three days. Overdrafts are particularly valuable for industries with seasonal income, enabling you to cover unexpected costs until cash flows improve.

Revolving Credit Facility

Revolving credit provides access to funds that can be repaid and redrawn, giving SMEs flexibility to navigate ongoing working capital needs and smooth cash flow gaps.

Revolving Credit Facility

Available to UK SMEs with at least two years of trading history, revolving credit facilities offer between £10,000 and £1,000,000. These are reviewed annually and come with variable rates that often follow LIBOR plus a margin. By allowing repeated drawdowns, they suit firms needing continuous access to funds—for example, those with lengthy invoicing cycles or fluctuating inventory demands.

Invoice Financing

Invoice financing unlocks value from unpaid invoices, enabling businesses to receive much-needed cash quickly without waiting for clients to pay.

Invoice Financing

UK businesses serving other businesses can access up to 90% of invoice values, typically within 24 to 48 hours. It is well suited for companies with robust credit processes and strong B2B relationships. By converting accounts receivable into immediate working capital, this option can support sustained operations even when clients pay slowly, proving especially helpful for manufacturing and logistics sectors.