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
5 products found
  • THINK Business Loans Working Capital Loans logo
    Broker

    THINK Business Loans Working Capital Loans

    • Find the right loan to suit your needs from a range of finance types
    • Check your eligibility without a credit check
    • Dedicated FCA regulated experts on hand to support your application
    • Minimum Turnover
      £100,000 p.a.
    • Available Amounts
      £50,000 to £1,000,000
    • Available Terms
      1 to 3 years

    Company details

    • THINK's funding platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
    • THINK are the UK's leading business lending specialists; their experts are on hand to guide you through the process
    • Find the perfect loan in minutes - Make the lender work for you

    Eligibility criteria

    • Must be profit making
    • No CCJs or adverse credit ratings
    • Must be homeowner
  • iwoca Working Capital Loans logo

    iwoca Working Capital Loans

    • Flexible credit facilites suitable for boosting working capital
    • Early repayment with no fees
    • Dedicated account manager and decisions within 24 hours
    • Minimum Turnover
      £50,000 p.a.
    • Available Amounts
      £1,000 to £200,000
    • Available Terms
      Up to 12 months

    Company details

    • Flexible Credit Facilities of £1,000 to £200,000 for Limited Companies
    • No fees or long term commitments
    • Apply online in minutes for a decision (some decisions may take up to 24 hours)

    Eligibility criteria

    • Limited companies only
    • Sole-traders, partnerships and start-ups not currently accepted
  • 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
  • Swoop Funding Working Capital Loans logo
    Broker

    Swoop Funding Working Capital Loans

    • Plug gaps in your short-term budget
    • Provides financial security for unexpected costs
    • Can help you to keep your business finances running smoothly
    • Minimum Turnover
      £50,000 p.a.
    • Available Amounts
      £2,000 to £1,000,000
    • Available Terms
      3 months to 3 years

    Company details

    • 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

    Eligibility criteria

    • Must be based in the UK
    • Must have an annual turnover of £50,000+
    • Must have been trading for 12 months or more
  • 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
    • Ignite logo

      Ignite

      • Your business must be trading for 24 months or more
      • Specialist provider of mutlidrawdown credit facilities
      • Unsecured, flexible funding available for small businesses
      • Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved
      • Minimum Turnover
        £60,000 p.a.
      • Available Amounts
        £3,000 to £500,000
      • Available Terms
        3 months to 10 years

      Company details

      • Specialist provider of mutlidrawdown credit facilities
      • Unsecured, flexible funding available for small businesses
      • Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved

      Eligibility criteria

      • Specialist provider of mutlidrawdown credit facilities
      • Unsecured, flexible funding available for small businesses
      • Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved
    • Fluidly logo
      Broker

      Fluidly

      • YOUR BUSINESS MUST BE TRADING FOR 12 MONTHS OR MORE
      • 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
    • Lombard logo

      Lombard

      • Lombard specialises in business car finance
      • Lombard offers a comprehensive range of asset finance solutions
      • A simple finance solution with a credit decision in 24 hours for transactions up to £150,000
      • Security, guarantees or indemnities may be required. Product fees may apply. Finance is subject to status and is only available for business purposes
      • Minimum Turnover
        No minimum
      • Available Amounts
        Up to £150,000
      • Available Terms
        1 to 7 years

      Company details

      • Lombard is one of the UK’s oldest and largest asset finance partners
      • They have helped thousands of businesses invest in their future’s every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business MoneyFacts Awards every year from 2009 to 2018

      Eligibility criteria

    • 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 Recovery Loan Scheme 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 Recovery Loan Scheme 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 Recovery Loan Scheme account managers
    • Start Up Loans (British Business Bank) logo

      Start Up Loans (British Business Bank)

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over

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?

What is working capital?

What is a working capital loan?

What type of business takes out a working capital loan?

How does a working capital loan work?

What are the lending criteria for a working capital loan?

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