FINANCE OPTIONS

^{Understanding} Working Capital Loans

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

You can borrow amounts starting from £5,000, with potential to access several millions, especially through invoice financing. Factors like turnover and credit score will influence the exact borrowing capacity.

Q: How quickly can I get a decision on my loan application?

Decisions can be made in as little as 1 day for some products, with funds available shortly after approval. For others, such as business overdrafts, it might take up to 3 weeks.

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

Rates range from 1.5% to 6% per month, depending on the specific product and borrower’s financial health. Merchant cash advances may apply factor rates, resulting in total repayments of 10-50% above the advance.

Q: What are the eligibility requirements for working capital loans?

Eligibility varies by subtype. For example, invoice financing requires a minimum turnover of £50,000 per annum. Business overdrafts often need a minimum £100,000 turnover and a business bank account.

Working Capital Loans are short-term financial products designed to help UK SMEs manage their day-to-day operational expenses, such as payroll, rent, and inventory purchases. These loans provide vital support, offering solutions to maintain smooth business operations through invoice financing, business loans, and more.

Working Capital Loans

Secure up to £500,000 in Working Capital Loans with Funding Agent.

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What are the ^benefits of Working Capital Loans?

The primary benefit of Working Capital Loans is the flexibility they offer to SMEs, allowing businesses to manage cash flow effectively. With potential borrowing limits of up to several million pounds and decision times as rapid as 1-2 days, these loans are ideal for meeting urgent financial needs without long-term commitments. Our platform specialises in providing quick and reliable access to these funding solutions.

Improved cash flow

Quick access to funds

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Working Capital Loans?

Invoice Financing

Eligible for UK businesses with B2B invoices and a turnover of at least £50,000. Loan amounts from £5,000 to several million are available, typically for a 1-3 month term.

Invoice Financing

Invoice Financing allows businesses to bridge cash flow gaps by advancing up to 90% of the invoice value. Rates range from 1.5% to 3.5% monthly. Decisions are made within 2 to 5 days. It's especially useful in industries like manufacturing, where small businesses can manage operations smoothly.

Business Overdrafts

Available for businesses with a bank account and minimum turnover of £100,000. Overdrafts can go up to £50,000 with ongoing terms.

Business Overdrafts

Business Overdrafts provide revolving credit reviewed annually. Interest rates are 3% to 6% above base rates. They are processed in 1-3 weeks, ideal for sectors like retail, providing a buffer for unexpected expenses.

Merchant Cash Advances

For sectors like hospitality with card transactions of at least £5,000 monthly. Advances of £5,000 to £300,000 are typically repaid in 6-12 months.

Merchant Cash Advances

Merchant Cash Advances offer cash based on future sales, with factor rates of 1.1 to 1.5. Quick approval within a day or two makes it perfect for immediate needs like facility upgrades in hospitality sectors.

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

Secure Working Capital Loans

Complete Application

Fill out a simple form with basic business details and your funding requirements.

Match with Lenders

We analyze your needs and match you with suitable lenders offering competitive rates.

Receive Funding

Upon approval, funds are quickly disbursed to your business account.

Get Funding For your business

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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.

FAQ’S

How much can I borrow with a working capital loan?

How quickly can I get a decision on my loan application?

What are the typical rates for working capital loans?

What are the eligibility requirements for working capital loans?

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^{Understanding} Working Capital Loans

What are the ^benefits of Working Capital Loans?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Working Capital Loans?

Invoice Financing

Invoice Financing

Business Overdrafts

Business Overdrafts

Merchant Cash Advances

Merchant Cash Advances

Typical Funding Journeys on Funding Agent