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Working Capital Loans

Think Business Loans

Business Loan
Think Business Loans logo

£25,000 to £10,000,000

Available amount

1 month to 30 years

Available term

The representative rate is 8.80% APR (fixed) so if you borrow £50,000 over 24 months at an interest rate of 5.88% p.a. (fixed) you will repay £54,713.47 in total.

Reform Financial

Invoice Finance
Reform Financial logo

£50,000 to £25,000,000

Available amount


Available term

Unlock £50k to £50m in as little as 24 hours with a 90% approval rate. Check your eligibility for free in 2 minutes.

Reform Financial

Recovery Loan Scheme (RLS)
Reform Financial logo

£1,000 to £10,000,000

Available amount

Up to 25 years

Available term

Get access to Government finance to help support your business following the Covid-19 pandemic. Our panel of lenders are officially accredited, and we are the only broker that can compare multiple offers for you at no extra cost.

NatWest Rapid Cash

Invoice Finance
NatWest Rapid Cash logo

£25,000 to £1,000,000

Available amount


Available term

Rapid Cash could unlock the capital in your unpaid invoices. Borrow against your unpaid invoices and get a flexible line of credit from £25k to £1 million. Eligibility criteria apply. Security and guarantee required. Fees may apply.


Invoice Finance
Aldermore logo

£100,000 to £25,000,000

Available amount


Available term

Invoice Finance allows you to quickly release cash into your business by converting the value of unpaid invoices or contractual billing into ready working capital. Aldermore offer Invoice Discounting, Factoring, Asset Based-Lending, Construction, Trade and Contract Finance. 

Penny Freedom

Invoice Finance
Penny Freedom logo

£1,000 to £50,000

Available amount


Available term

Instantly advance money to your business and accelerate your cash flow. Get your invoices paid the same day you raise them. No credit checks, no tie-ins, no personal guarantees.

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  • Compare Working Capital Loans

    Depending on the type of business you operate, you may have periods during the financial year where you might either be very quiet, or have a lot of stock to replenish, creating seasonal inconsistencies in your accounts. By getting a working capital loan, you can cover day-to-day expenses such as payroll, rent or otherwise, especially when you have an inconsistent month of business.

    Covering operational expenses in this way can be very convenient to an established business, especially for those that also have to deal with seasonal discrepancies such as the ones mentioned above. Getting a working capital loan can therefore be a necessity to make sure daily costs can be paid for, making sure there aren’t any lulls in the cashflow of your business.

    If you think that a working capital loan is a viable option for your small business, start up or limited company, take a look at our comparison tables to see which lenders are offering a preferable deal for your business.

    What is a working capital loan?

    • Short-term business loan
    • Smaller amount to cover running costs within the business
    • Ideal for covering everyday costs such as payroll and rent
    • More appropriate for established businesses

    A working capital loan is usually a short-term borrowing option for businesses who need to cover day-to-day costs such as payroll, rent or resources. This could be because your business is having a quiet period where revenue is low, or it could be to do with having an expensive period where your current revenue stream has been exhausted.

    Whether it’s a one-off or simply a seasonal issue, a working capital loan is incredibly useful to keep your business running smoothly.

    How can I get a working capital loan?

    Like many other types of business loan, you will have to provide relevant business details to prove that you are an established business in the UK, which may include Companies House details and your registered business address. You may also need evidence of your previous accounts, so a lender can see how much you can afford to repay on a monthly basis.

    Once you have filled out the application online and supplied the relevant documents for the lender to consider, they will then make a decision on whether they will accept you for a working capital loan. The response time depends on the lender themselves but is usually as quick as 24 hours. Since it is a much smaller loan to cover running costs, the response time might even be quicker.

    Am I eligible for a working capital loan?

    As long as you are an operational business with evidence of your accounts and you can supply accurate business details, you should be considered for a working capital loan. The main decision is based on whether you can afford to repay the loan that you’re asking for, and if your previous revenue backs this up.

    You can also check things like your business credit score to see if your previous borrowing habits have given you a good score, or a bad one. This is sometimes a consideration to see whether you have a history of making repayments on time, or you have struggled when borrowing as a business in the past.

    As long as you apply for a reasonable loan that you can afford to repay over short amount of time, you will have a much better chance of being accepted for a working capital loan.

    We work with a number of lenders to deliver a wide selection of business loans for you to choose from, enabling you to find the best deal for you as a sole trader, start up, small business or limited company.

    Each of our lenders is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a diverse range of providers who can support your business whether you’re a sole trader, start up or limited company, or anything in between.

    You can find out more about our lenders and providers here.

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