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Working Capital Loans for Wholesale - Get a Quote

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 £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
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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.

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Improved cash flow
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Flexible repayment options
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Faster access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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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.

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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.

Borrowing Capacity

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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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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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?
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?

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.
July 31, 2025

What is a Revolving Credit Loan?

Discover how revolving credit loans work, their pros and cons, and how UK SMEs use them to manage cash flow and growth in 2025.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.

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