Business Loans For Working Capital

We'll be launching new small business finance products soon. Register for updates and we'll let you know when you can apply.

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Working with British Business Bank

Funding Circle has applied to the Government-owned British Business Bank to become a provider under the Recovery Loan Scheme.

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 term small business loan from Funding Circle can be used to provide your business with the working capital it needs to capitalise on opportunities, and help you move your business forward.


Seize your next opportunity with extra working capital

  • Pay business expenses
  • Access seasonal cash flow
  • Cover a one-off cost
  • Win a new contract
  • Fulfill an order
  • Grow your business

Get updates on our application to provide the Recovery Loan Scheme (RLS) and when new loan products are available.

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

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

  1. Check if you qualify in 30 seconds

    See if you’re eligible without affecting your credit score.

  2. Apply online in 10 minutes

    Tell us about you and your business with our simple application.

  3. Get your decision

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

  4. Your loan is funded

    Once you accept, we run some final checks to process your loan and deposit the money straight into your account.

We’ll be launching new loan products soon and you can register for updates here

Here to help if you need us

Our UK-based team are here to help throughout your loan.

0800 048 2467

Need help? Call us.


Brilliant service and every step is made to be as easy and straight forward as possible.
Mel, March 2021
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Very fast, friendly and efficient, there can not be an easier way to raise working capital.
Derek, August 2017
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David Stirk at The Creative Whisky Company used his working capital loan of £258,000 to invest in more stock.

The Independent
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

A working capital loan is a business loan that finances a business’s everyday expenses such as rent and bills. Working capital loans are used to cover short term expenses rather than long term investments.

To be eligible for a business loan for working capital from Funding Circle you need to meet the following criteria:

  • Turnover of over £200,000
  • Minimum 3 years of trading history
  • Over 50% of turnover from trading activity (e.g. not from investments)
  • Loan is for business purposes
  • Loan is primarily for trading in the UK
  • Check if you are eligible for business finance

Our small business loan rates range from 1.8% to 7.4% APR.

Borrow from £10,000 up to £500,000 with a small business loan for working capital from Funding Circle.

Yes you can settle your loan early after the first four months of your loan term. There are no fees for full early repayment. If you repay your business loan after the first 12 months, you must pay the interest due until the next repayment date.

Please refer to this article for more details on how to pay back your small business loan early.

Typically, you will get a decision on your loan in as little as 5 hours. If your application is successful you should receive your loan within 7-14 days.

The Coronavirus Business Interruption Loan Scheme (CBILS) is managed by the British Business Bank on behalf of, and with the financial backing of the Secretary of State for Business, Energy and industrial Strategy (BEIS). Full details on CBILS eligibility criteria and the list of participating CBILS lenders can be found on the British Business Bank website.

Please note that, as with any other commercial transaction, the borrower is always responsible for the repayment of the full value of any facility supported by CBILS. The government-backed guarantee is to the lender and not the small business. Any queries about an active or historic EFG facility, including guarantee fee collection and alterations to their repayment profile should be raised with the lender, and not the British Business Bank.

We’re here to help

Contact our team if you have any questions.

0800 048 2467

Need help? Call us.