Compare Working Capital Loans

  • If your business needs funds to pay for everyday operational costs then you could consider a working capital loan
  • Compare specialist UK providers of working capital loans in our comparison table below
  • Find available loan amounts and terms to suit your needs and apply direct
2 products found
  • Funding Xchange Working Capital Loans logo
    Broker

    Funding Xchange Working Capital Loans

    • Discover instant & personalised Working Capital offers in just 3 minutes
    • Finance your company’s everyday operational needs
    • Compare working capital lenders and find the rate right for you
    • Minimum Turnover
      £100,000 p.a.
    • Available Amounts
      £1,000 to £500,000
    • Available Terms
      1 month to 5 years

    Company details

    • Funding Xchange’s free service matches your eligibility against over 50 lenders in seconds
    • Complete your application online in as little as 3 minutes and you could get funded in a few hours
    • It's simple, safe and free and the search won’t affect your credit rating

    Eligibility criteria

    • Your business must have been trading for a minimum of 2 years
    • Your business must have an annual turnover of at least £100,000
  • Nucleus Working Capital Loan logo

    Nucleus Working Capital Loan

    • Hassle-free, unsecured, commercial loan of up to £150,000
    • Fast – Quick decisions, receive your funding in 24 hours
    • Even out seasonal peaks and troughs in your cashflow cycle
    • Minimum Turnover
      No minimum
    • Available Amounts
      £25,000 to £200,000
    • Available Terms
      3 months to 3 years

    Company details

    • Fast service - receive your funding in 24 hours
    • Unsecured and secured business loans
    • 7 products tailored to your business

    Eligibility criteria

    • Proven profitability in recent accounts
    • Minimum 3 years trading history
    • Company registered in England and Wales
    • Homeowner in England and Wales
  • Suppliers that don't offer All Business Working Capital Loans but may offer suitable alternatives:

    • EJ Finance logo
      Broker

      EJ Finance

      • Application-to-offer within 24 hours
      • To be contacted within 3 minutes of applying
      • Access to over 200+ lenders, covering all sectors
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £10,000,000
      • Available Terms
        1 months to 10 years

      Company details

      • Application-to-offer within 24 hours
      • To be contacted within 3 minutes of applying
      • Access to over 200+ lenders, covering all sectors

      Eligibility criteria

      • Application-to-offer within 24 hours
      • To be contacted within 3 minutes of applying
      • Access to over 200+ lenders, covering all sectors
    • Funding Circle logo
      Peer To Peer

      Funding Circle

      • Funding Circle currently only offers CBILS and BBLS loans
      • Borrow £50,001 to £500,000 with the Government's CBIL scheme
      • Nothing to pay until 2022 - No upfront fees - No early settlement fees
      • Simple online application & decisions in as little as 5 hours
      • Rates between 1.8% and 7.4% APR
      • Minimum Turnover
        £200,000+ p.a.
      • Available Amounts
        £50,001 to £500,000
      • Available Terms
        2 to 5 years

      Company details

      • Funding Circle, supporting small businesses for over 10 years
      • Used by over 57,000 UK businesses
      • All Funding Circle do is small business, as a result 9 out of 10 of their businesses would come back first next time

      Eligibility criteria

      • UK-based business - 3 years of trading history - Adversely affected by coronavirus
      • Loan primarily for trading in the UK
      • Annual turnover from £200K+ up to £45 million - Over 50% of turnover from trading activity (e.g. not from investments)
    • Swoop Funding logo
      Broker

      Swoop Funding

      • Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating
      • Experts in CBILS – borrow from £50k to £250k with no personal guarantee, no fees, no repayment for 12 months, no early settlement fee
      • Speak to Swoop's team of experts – five-star Trustpilot rated
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £10,000,000
      • Available Terms
        3 months to 6 years

      Company details

      Eligibility criteria

    • Fluidly logo
      Broker

      Fluidly

      • Your business must be trading for 12 months or more to apply with us
      • Instantly see funding products your business is eligible for, from across the market (no credit checks)
      • A dedicated 5-star rated Funding Specialist on hand to support your application end-to-end (no hidden fees)
      • Range of products available including CBILS, unsecured loans and asset financing
      • Minimum Turnover
        £100,000 p.a.
      • Available Amounts
        £50,000 to £10,000,000
      • Available Terms
        1 to 10 years

      Company details

      • Hassle free funding options within 30 seconds
      • Team of 5-star rated Funding Specialists are on hand to support your application
      • A range of products available including CBILS, unsecured and asset financing

      Eligibility criteria

      • Hassle free funding options within 30 seconds
      • Team of 5-star rated Funding Specialists are on hand to support your application
      • A range of products available including CBILS, unsecured and asset financing
    • Fleximize logo

      Fleximize

      • Voted "Best Business Finance Provider" at the British Bank Awards 2020
      • Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
      • Interest charged on a reducing balance, repay early and only pay for the time you had the loan
      • Rates from 0.9% per month (10.8% per annum), with no additional fees
      • Minimum Turnover
        £60,000 p.a.
      • Available Amounts
        £5,000 to £500,000
      • Available Terms
        3 months to 4 years

      Company details

      • Voted "Best Business Finance Provider" at the British Bank Awards 2020
      • Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
      • Interest charged on a reducing balance, repay early and only pay for the time you had the loan
      • Apply online in minutes, receive funds in as little as 24 hours.

      Eligibility criteria

      • Minimum annual turnover of £60,000 p.a.
      • Borrow between £5,000 and £500,000
      • Business activities must be UK-based and impacted by Covid-19
    • Portman Asset Finance logo
      Broker

      Portman Asset Finance

      • Business finance broker with specialist sector experience to offer fast and flexible finance solutions
      • Access over 40 leading UK business finance providers
      • Dedicated CBILS specialist account managers
      • Minimum Turnover
        £150,000+ p.a.
      • Available Amounts
        £10,000 to £10,000,000
      • Available Terms
        Up to 5 years

      Company details

      • Business finance broker with specialist sector experience to offer fast and flexible finance solutions
      • Access over 40 leading UK business finance providers
      • Dedicated CBILS specialist account managers

      Eligibility criteria

      • Business finance broker with specialist sector experience to offer fast and flexible finance solutions
      • Access over 40 leading UK business finance providers
      • Dedicated CBILS specialist account managers
    • Selina Finance Business Loans logo

      Selina Finance Business Loans

      • Your loan must be secured against a residential property
      • Specialist digital lender offering secured business loans and flexible credit lines
      • Apply online and get a personalised loan offer in just 15 minutes
      • Secured loans with no fees or early repayment charges
      • Minimum Turnover
        £30,000 p.a.
      • Available Amounts
        £25,000 to £1,000,000
      • Available Terms
        6 months to 30 years

      Company details

      • Specialist digital lender offering secured business loans and flexible credit lines
      • Apply online and get a personalised loan offer in just 15 minutes
      • No fees or early repayment charges

      Eligibility criteria

      • Secured property must be residential and have an active mortgage
      • Residential property must have a value of more than £50,000
      • Homeowner must be based in England, Wales, Scotland or Northern Ireland
    • 365 Business Finance logo

      365 Business Finance

      • Your business must process credit and debit card transactions to apply for this product
      • A flexible business funding alternative
      • Cash advanced against card transactions
      • Pay back an affordable % of your card transactions
      • Minimum Turnover
        £5,000+ card transactions per month
      • Available Amounts
        £5,000 to £200,000
      • Available Terms
        4 to 18 months

      Company details

      • Get between £5,000 and £200,000
      • Pay back through your customer card transactions
      • A single all inclusive charge that never changes
      • No interest, APRs or hidden extras

      Eligibility criteria

      • Your business must have been trading for at least 6 months
      • Your business must accept debit and credit card payments
      • Your business must take at least £5,000 per month in card transactions.

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

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Working Capital Loans FAQ

Working capital loans can offer a buffer for seasonal businesses and those looking to secure their cash flow. Could a great deal on a working capital loan help your company?

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