Working capital loans
Finance your everyday business expenses with a working capital loan that arrives in days.
- Working capital loans up to £500k
- Rates from 1.8% per year
- Borrow over 6 months – 5 years
- Get a decision in as little as 5 hours
- No fees for full early repayment
Funding Circle is accredited by the Government-owned British Business Bank to provide loans under the Coronavirus Business Interruption Loan Scheme (CBILS). .
Working capital loans 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.
We’ve helped thousands of businesses like yours with working capital loans, asset purchase, and other small businesses loans. You could get an unsecured loan for working capital in under a week, so if you’re looking for funding to take your next step, we want to help you.
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
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.
Quick and easy to apply
We specialise in business finance for established UK businesses, so you can get a working capital loan to take your business forward in just a few days.
Check if you qualify in 30 seconds
Then tell us about you and your business in our 10 minute form.
Get your personalised rate
Review your repayment options and pick the best for you.
Decision in 24 hours
If approved, you’ll get an offer typically in 24 hours.
Your working capital loan arrives
Once accepted, you’ll have the money in your account in a few days.
Here to help if you need us
You’ll get a dedicated account manager you can speak to straight away. They’ll answer any questions and guide you through the process. Just call them directly.
Need help? Call us.
David Stirk at The Creative Whisky Company used his working capital loan of £258,000 to invest in more stock.
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
We’re here to help
Contact our team if you have any questions.
Need help? Call us.
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.