Working Capital Loans

Flexible Funding to Help Your Business Grow

Working capital loans provide businesses with access to funding to support day-to-day operations, manage cash flow and invest in future growth. Whether you need additional capital for a new project, business expansion, debt consolidation or upcoming VAT and tax payments, working capital finance can provide the flexibility you need.

£25m

Available with some lenders

24hrs

Funding Available with Some Lenders

Secured & Unsecured

Finance Options Available

* Figures are indicative and subject to lender criteria, affordability, circumstances and change..

The Benefits of Working Capital Loans

Maintaining healthy working capital is essential for the day-to-day operation and continued growth of a business. A working capital loan can provide additional funding when you need it, helping bridge cash flow gaps, manage upcoming commitments or take advantage of new opportunities without putting unnecessary pressure on existing cash reserves.

With access to both short-term and long-term lenders, working capital finance can be tailored around your priorities whether you require fast access to funds, flexible repayment options or a longer-term funding solution.

  • Improve business cash flow and working capital

  • Support business growth and expansion

  • Fund new projects and opportunities

  • Consolidate existing business debt

  • Cover VAT and tax payments

  • Short-term funding for time-sensitive requirements

  • Longer-term finance with competitive rates and fees

Working Capital Loans Frequently Asked Questions

What is a working capital loan?

A working capital loan is a form of business finance designed to provide additional funds for the everyday needs of a business. It can help manage cash flow, cover short-term expenditure or provide the capital needed to take advantage of growth opportunities.

Working capital loans can be used for a wide range of business purposes, including managing cash flow, purchasing stock, paying suppliers, funding new projects, supporting expansion, consolidating existing debt and meeting VAT or tax liabilities.

Both secured and unsecured working capital loans are available. Secured lending uses an asset, such as commercial property, as security for the loan. Unsecured lending does not normally require specific assets as security, although personal guarantees may be required depending on the lender and circumstances.

The amount available will depend on your individual circumstances and factors such as business turnover, profitability, trading history, credit profile and the purpose of the funding. Where finance is secured, the value of the asset being offered as security may also influence the amount available.

Some specialist lenders can provide access to working capital quickly, potentially within 24 hours where circumstances allow. The timescale will depend on the lender, funding requirement, supporting documentation and whether the facility is secured or unsecured.

Are you looking for a working capital loan, or require further information?

Our specialists will be happy to help with any questions you may have.

Our specialists will be happy to help with any questions you may have.