FINANCE OPTIONS

^Working Capital Loans Ireland - Apply Now

Q: What is the borrowing range for Working Capital Loans?

Working Capital Loans typically range from £5,000 to £1,000,000. The exact amount available to your business will depend on factors like your creditworthiness, annual turnover, and the presence of any assets offered as security.

Q: How quickly can I access funds after approval?

Initial decisions are usually made within 1 to 10 days. Once approved, funds can be available in as little as 2 days or up to 4 weeks, depending on the lender’s processes and the completeness of your documentation.

Q: What are the typical interest rates and fees?

Interest rates for Working Capital Loans generally fall between 4% and 15% APR. There may also be arrangement fees and, in some cases, early repayment charges, so always check the loan details before agreeing terms.

Q: What types of Working Capital Loans are available?

The main types include Unsecured Working Capital Loans, Secured Working Capital Loans, and Invoice Financing. Each type suits different business needs and offers varying amounts, terms, and eligibility criteria.

Working Capital Loans Ireland help UK SMEs access fast funding for daily operational costs and to manage cash flow gaps. As a vital form of short-term business finance, these loans are tailored to maintain liquidity and keep businesses running efficiently. Quick access to funds, streamlined approvals, and flexibility in usage make them popular choices for companies experiencing seasonal demand or unforeseen expenses. Whether for stock, wages, or bridging invoice delays, Working Capital Loans are designed to support everyday business challenges.

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

Key ^Benefits of Working Capital Loans

Working Capital Loans offer practical financial advantages that help UK businesses adapt to changing needs. These loans focus on delivering fast, tailored solutions with clear pricing and flexible usage. Rates typically range from 4% to 15% APR, with decision times from 1 to 10 days, ensuring companies can act quickly when opportunities or challenges arise.

Quick access to funds

Improves cash flow

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Unsecured Working Capital Loans

Unsecured Working Capital Loans do not require collateral and suit SMEs with at least 6 months’ trading and good credit history. Loan amounts typically range from £5,000 to £250,000 and terms last 3 to 24 months.

Unsecured Working Capital Loans

These loans are ideal for businesses needing speedy funds without tying up assets. The application process is straightforward, usually requesting financial statements and cash flow projections. Decisions are typically provided in 1 to 3 days. Suitable for managing seasonal fluctuations, buying stock, or covering unforeseen costs in retail, hospitality, and manufacturing sectors.

Secured Working Capital Loans

Secured Working Capital Loans require assets as security, are available to firms with at least 1 year’s trading, and provide amounts from £50,000 to £1,000,000 over 12 to 60 months on competitive APRs.

Secured Working Capital Loans

These loans suit businesses with valuable assets needing more substantial finance. Lenders will value collateral and conduct detailed financial checks, with funding decisions in 1 to 2 weeks. Common uses include large-scale purchases or longer-term liquidity. Typical sectors include construction, agriculture, and logistics.

Invoice Financing

Invoice Financing enables businesses to access up to 95% of invoice values quickly, helping bridge cash flow gaps when waiting on payments from other companies.

Invoice Financing

This option is open to businesses invoicing other companies, with at least £100,000 turnover. The process involves submitting invoices for an advance, and the lender collects invoice payments. Decisions are typically made within 24 to 48 hours, supporting sectors with extended payment cycles like professional services or wholesale.

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

How to Get a Working Capital Loan through Funding Agent

Complete Online Form

Share basic details about your business and specific funding requirements using our online application form to begin your application quickly and securely.

Compare Offers

Receive offers tailored to your needs from multiple lenders, allowing you to compare rates, terms, and loan structures.

Receive Funds

Once you choose the right offer, Funding Agent helps finalise the loan details so funds can be released to your business promptly.

Get Funding For your business

Generate offers

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

What is the borrowing range for Working Capital Loans?

How quickly can I access funds after approval?

What are the typical interest rates and fees?

What types of Working Capital Loans are available?

DIVE DEEPER

August 20, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^Working Capital Loans Ireland - Apply Now

Key ^Benefits of Working Capital Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Working Capital Loans

Unsecured Working Capital Loans

Unsecured Working Capital Loans

Secured Working Capital Loans

Secured Working Capital Loans

Invoice Financing

Invoice Financing

Typical Funding Journeys on Funding Agent