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Business loans for working capital

Get a working capital boost of £10,000 to £500,000 at affordable rates

Apply as a limited company without affecting your credit score

  • Apply online in 10 minutes

  • Decision in as little as 1 hour

  • Borrow £10,000 to £500,000

  • Rates from 6.9% p.a.

  • No fees to settle early

As well as offering business loans up to £500,000, Funding Circle is accredited by the Government-owned British Business Bank to provide business loans of £25,001 – £250,000 under the Recovery Loan Scheme (RLS).

Business loans for working capital that are tailored to your needs

Working capital is the lifeblood of any business. Healthy cash flow allows you to pursue new opportunities and win more business. It saves you time, gives you greater peace of mind, and the breathing space to make the best long term decisions for your business.

A fixed rate small business loan from Funding Circle can give you the working capital you need to capitalise on opportunities and help you move your business forward.

Seize your next opportunity with extra working capital

  • Pay business expenses
  • Fulfill an order
  • Win a new contract
  • Cover a one-off cost
  • Access seasonal cash flow
  • Grow your business
Check your eligibility in 30 seconds with our online form without affecting your credit score.
Tri-Dosha skincare founder

Tri-Dosha

SKINCARE PRODUCER
NOTTINGHAM
"Sunita Passi, founder of Tri-Dosha, borrowed £21,000 for her skincare business. After accessing extra working capital, her new product is now sold on the high street"

How to apply for a business loan

It's quick and easy to apply for small business finance online and our support team are on hand if you have any questions.

a woodworker looking at a laptop
  1. 1

    Check if you’re eligible in 30 seconds

    See if you qualify with no fuss

  2. 2

    Apply online in 10 minutes

    Tell us about you and your business in our online form

  3. 3

    Get your decision in as little as 1 hour

    If approved, you’ll get a personalised, no-obligation quote

  4. 4

    Funds paid out typically within 48 hours

    Once you accept your offer, we’ll deposit the funds into your account

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Here to help if you need us

Contact our UK-based team if you have any questions

Creative Whisky Company founder

The Creative Whisky Company

INDEPENDENT BOTTLER
THORNHILL
"David Stirk at The Creative Whisky Company used his working capital loan of £258,000 to invest in more stock."
Logo of The Independent newspaper“Funding Circle, the biggest online lender for small businesses in the UK… became the first online lender to arrange more than £100m in loans in a single month.” – The Independent, January 2017

Frequently asked questions

Secured and unsecured loans

Find out which is the best option for your business.

How it works

Learn how our working capital loans are funded by a range of investors