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
British Business Bank

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

We’ve helped 57,000 established businesses in the UK, and approve a new loan on average every 5 minutes.

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.

  1. Check if you qualify in 30 seconds

    Then tell us about you and your business in our 10 minute form.

  2. Get your personalised rate

    Review your repayment options and pick the best for you.

  3. Decision in 24 hours

    If approved, you’ll get an offer typically in 24 hours.

  4. Your working capital loan arrives

    Once accepted, you’ll have the money in your account in a few days.

Check if you qualify

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.

0800 048 2467

Need help? Call us.

Very fast, friendly and efficient, there can not be an easier way to raise working capital.
Derek, August 2017

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

We’re here to help

Contact our team if you have any questions.

0800 048 2467

Need help? Call us.