FINANCE OPTIONS

Working Capital Loans for Manufacturing and Wholesale Businesses – Apply Now

Working capital loans are essential for manufacturing and wholesale businesses, providing short-term financial solutions to manage daily operational expenses. These loans help maintain liquidity, covering costs such as payroll and supplier payments. To explore how these loans can benefit your business, visit our working capital loans page.

Working Capital Loans

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

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
Apply Now
Cloud

What are the benefits of Working Capital Loans for Manufacturing and Wholesale Businesses?

These loans offer immediate liquidity, enabling businesses to handle operational expenses without long-term financial commitment. With quick application decisions and flexible borrowing amounts, companies can maintain cash flow effectively. Learn more about our solutions at funding options.

black tick in a green circle
Improved cash flow
black tick in a green circle
Flexible financing options
black tick in a green circle
Supports operational efficiency

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of Working Capital Loans for Manufacturing and Wholesale Businesses?

Invoice Financing

Invoice Financing allows businesses to advance up to 90% of outstanding invoices, providing quick cash flow relief. Eligibility includes having creditworthy customers and a six-month trading history. Find out more about invoice financing.

Invoice Financing

Invoice Financing offers businesses a way to bridge the gap between issuing invoices and receiving payments. With terms up to 12 months and interest rates ranging from 1% to 3% above the base rate, this financing is ideal for managing cash flow gaps. For detailed information on eligibility and application, visit our invoice financing page.

Business Line of Credit

A Business Line of Credit provides up to £250,000 in revolving credit, suitable for ongoing operating expenses. Businesses need at least two years of trading history and a good credit score. Discover your options with our business financing solutions.

Business Line of Credit

With a Business Line of Credit, companies can flexibly access credit as needed without repeated applications. Interest rates range from 5% to 15% APR, and decisions are made typically within a week, offering a reliable way to manage the financial demands of seasonal fluctuations. Explore details on business lines of credit.

Merchant Cash Advance

Merchant Cash Advances offer funding up to 150% of monthly card revenue for businesses accepting card payments. Consistent sales history is required. Get quick funding through our merchant cash advance section.

Merchant Cash Advance

Ideal for quick capital needs, Merchant Cash Advances provide a lump sum based on future sales, repaid through card transactions. These funds can be available within 24 to 72 hours, making it a fast solution for purchasing equipment or covering short-term expenses. For more details, visit our merchant cash advance page.

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

What is a Working Capital Loan for Manufacturing and Wholesale Businesses?

Application and Approval Process

The application process for working capital loans generally involves submitting financial statements and trading history. Decision timescales vary, with initial decisions often within 24 hours. For more details, visit our application process guide.

Borrowing Capacity and Rates

All lenders offering these loans must be authorised and regulated by the FCA, ensuring you receive compliant and secure financial products. To understand more about our compliance procedures, see our compliance section.

Borrowing Capacity and Rates

Borrowing capacities can range widely, from £5,000 to £500,000, influenced by creditworthiness and industry sector. Rates fluctuate between 1% and 30% based on risk profiles. Explore more on borrowing limits at our loan rates guide.

Get Funding For your business

Generate offers
Cta image

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.
building

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 a decision on my loan application?
What are the typical interest rates for these loans?
What is required to qualify for a working capital loan?

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.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now