Working Capital Business Loans
A Flexible Short-Term Option For Improving Cash-Flow
Working Capital Business Loans
Working capital loans are a flexible short-term option for improving the cash-flow of your business. They work in a similar way to an overdraft, giving you access to pre-approved funds when you need them, and you only pay interest on the funds are drawn.

Most businesses experience seasonal fluctuations, unplanned costs, and other gaps in income. Working capital loans act as a business lifeline that is available to you if and when needed. Having this capital available immediately allows you to make important business decisions such as pursuing specific growth opportunities, purchasing inventory, or paying an unexpected bill, without having to worry about your current working capital.

The approved credit limit is typically calculated as one month’s revenue, for a term of between one month to five years. If all goes well, your lender will usually offer a renewal with an increased limit.

The flexibility of working capital loans makes them an attractive option for many business owners. Although they generally come with a higher interest rate than a typical term loan, they can actually work out cheaper in real terms when used correctly.

Another advantage is that these loans are unsecured, and do not require any assets as collateral. Because of this, the lender may ask for a personal guarantee. This is a written promise from a Director, or Shareholder that guarantees repayment if the business is unable to pay.

How We Can Help
We’ll source and apply to a number of working capital business loans on your behalf. Through handling all aspects of the process, we ensure that everything progresses quickly and smoothly. Your account manager will help you decide which option is best for your needs from unsecured loans up to £350,000 and repayment periods between one month and five years.
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Unsecured loans up to £350,000
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Approved credit limit between 1 month and 5 years
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Flexible daily, weekly, or monthly repayment options
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Quick decision possible within 24 hours
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A business lifeline available if and when needed
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A Short-term cash-flow boost