Working Capital Finance
Short-term funding to bridge cash flow gaps, buy stock and cover day-to-day costs.
Overview
What is working capital finance?
Healthy businesses still hit cash flow gaps — a late payer, a seasonal dip or a big order to fulfil. Working capital finance keeps operations running without disrupting growth plans.
Working capital finance covers short-term loans, revolving credit facilities, merchant cash advances and trade finance. We look at how your cash moves through the business and match you with the structure — and lender — that fits.
Best for
- Seasonal businesses smoothing peaks and troughs
- Firms funding stock ahead of busy periods
- Businesses covering payroll or supplier payments
- Companies taking on contracts larger than usual
In practice
Typical scenarios we fund
A retailer funding Christmas stock with a 6-month working capital loan.
A hospitality group using a revolving facility to manage quieter winter months.
A contractor covering materials and labour before stage payments arrive.
FAQs
Common questions
Which type of working capital finance is right for me?+
It depends on how your revenue arrives. Card-heavy businesses may suit a merchant cash advance; B2B firms often suit invoice finance; others suit a short-term loan or revolving credit facility.
How quickly can I get funds?+
Some lenders can fund within 24–48 hours of approval for smaller amounts. Larger or secured facilities take longer.
Will I need security?+
Many working capital facilities are unsecured but may require a personal guarantee.
Ready to explore working capital finance?
A quick eligibility check takes under two minutes. No credit search.