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^Working Capital Loans for Wholesale - Get a Quote

Q: How much can I borrow with a Working Capital Loan?

Working Capital Loans range from £5,000 to £1,000,000. The amount depends on business performance, creditworthiness, and invoice amounts.

Q: What is the typical decision time for these loans?

Initial decisions are made within 24 hours to two weeks, with funds available shortly after approval, depending on lender processes and application completeness.

Q: What are the interest rates for Working Capital Loans?

Rates range from 1% to 15% APR, influenced by credit scores, loan amounts, and business financial health. Additional fees may apply, like arrangement and early repayment fees.

Q: What are the eligibility requirements for Working Capital Loans?

Eligibility typically requires financial statements, proof of business operation, and sometimes personal guarantees, based on creditors' scores and borrowing history.

Working Capital Loans are essential for UK SMEs in the wholesale sector, providing the much-needed bridge for day-to-day operational expenses such as inventory purchases and payroll management. These loans are designed to address unexpected financial challenges, ensuring uninterrupted business activities. For more comprehensive insight, explore our working capital solutions.

Working Capital Loans

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

Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of Working Capital Loans for Wholesale?

Working Capital Loans facilitate seamless operations and bridge cash flow gaps, allowing SMEs to grow without long-term debt obligations. With amounts ranging from £5,000 to £1,000,000, and decision speeds as fast as 24 hours, these loans offer competitive rate advantages. Learn more about our business funding solutions to see how we can support your enterprise's financial health.

Improved cash flow

Flexible repayment options

Faster access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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

Invoice Financing

Invoice Financing enables businesses with outstanding invoices to manage cash flow gaps effectively. Eligible businesses can secure financing between £10,000 and £500,000 with terms of 1 to 12 months. For a detailed guide, visit our invoice financing options.

Invoice Financing

With interest rates ranging from 1% to 3% per month, Invoice Financing is ideal for wholesale distributors. Decisions are typically made within 48 hours. Businesses receive upfront funding based on issued invoices, with the remainder paid upon customer settlement. Dive deeper into the benefits by exploring our invoice factoring insights.

Merchant Cash Advance

Merchant Cash Advances cater to retail and hospitality firms with steady credit card sales, offering £5,000 to £300,000 over 3 to 18 months. Learn more about this flexible option through our cash advance guide.

Merchant Cash Advance

This product provides cash based on future card sales, with repayments aligned to revenue. Factor rates range from 1.1 to 1.5, ensuring manageable costs. Ideal for businesses needing to purchase stock for peak seasons, such as hospitality suppliers. For an overview, check our working capital loans page.

Revolving Credit Facility

Revolving Credit Facilities suit businesses with robust financial statements, enabling access to £10,000 to £1,000,000 over 12 to 36 months. For more information, check our credit facility details.

Revolving Credit Facility

With annual interest rates of 8% to 15%, these facilities address seasonal inventory fluctuations. Decisions are typically finalized within two weeks. Companies can access funds as required, repaying with interest only on the amount used. More insights can be found under our revolving credit loans page.

What is a Working Capital Loan for Wholesale?

Application Processes

Working Capital Loan applications generally require financial statements and business operations proof, sometimes necessitating personal guarantees. Decision times vary between 24 hours to two weeks. Our streamlined application processes simplify the experience.

Regulatory Aspects

In the UK, all lenders must be authorized by the FCA, ensuring compliance and borrower protection. We emphasize the importance of choosing FCA-registered lenders for transparency. For more on regulations, see our business compliance resources.

Borrowing Capacity

Capacity depends on business performance and creditworthiness, with amounts ranging £5,000 to £1,000,000. Rates vary based on credit scores and financial health. Discover how our solutions accommodate diverse needs by visiting our unsecured loan options.

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FAQ’S

How much can I borrow with a Working Capital Loan?

What is the typical decision time for these loans?

What are the interest rates for Working Capital Loans?

What are the eligibility requirements for Working Capital Loans?

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August 20, 2025

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^Working Capital Loans for Wholesale - Get a Quote

What are the ^benefits of Working Capital Loans for Wholesale?

SCALE YOUR BUSINESS TO NEW HEIGHTS

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

Invoice Financing

Invoice Financing

Merchant Cash Advance

Merchant Cash Advance

Revolving Credit Facility

Revolving Credit Facility