Business Loans & Working Capital

Flexible funding to support growth, strengthen cashflow and provide the financial headroom your business needs. We work with a wide panel of lenders to structure tailored facilities for established UK businesses seeking funding from £250,000 upwards.

Check Your Funding Options

What are Business & Working Capital Loans?

Business loans and working capital facilities provide flexible funding that can be used across a wide range of business needs — from managing day-to-day cashflow to funding expansion and strategic projects.

Unlike asset-based funding, these facilities can usually be used for almost any legitimate business purpose, making them one of the most versatile forms of commercial finance.

Businesses commonly use working capital funding to:

  • Smooth cashflow gaps
  • Fund growth initiatives
  • Cover seasonal fluctuations
  • Refinance existing borrowing
  • Invest in new opportunities

Both secured and unsecured options are available depending on the size and structure of the facility.

When Should You Use Business Loans?

Businesses typically seek loan or working capital funding when:

  • Cashflow is being stretched by growth
  • New contracts require upfront investment
  • Tax liabilities or large expenses are approaching
  • Existing borrowing needs restructuring
  • Investment is required ahead of revenue

These facilities provide financial flexibility and allow businesses to act quickly when opportunities arise.

Types of Business Loans Available

Unsecured Business Loans
Funding based primarily on business performance and credit profile.

Secured Business Loans
Larger facilities supported by property or other assets/debentures but will usually also be based on credit profile.

Merchant Cash Advance
Repayments linked to card sales, suited to retail and hospitality.

Refinance & Debt Consolidation
Restructure existing borrowing into a more manageable facility.

Government-Supported Lending
Access to lenders participating in British Business Bank initiatives.

Funding Amounts & Terms

Funding can typically be arranged from £25,000 to £20m+, depending on structure and security.

We most commonly support established businesses seeking £1m+ facilities, where structured funding and lender access can deliver the greatest value.

Typical terms:

  • Short-term funding from 3–24 months
  • Medium-term loans from 1–5 years
  • Longer terms available for secured facilities

How Quickly Can Funding Be Arranged?

Initial lending discussions and lender matching can begin immediately.

Indicative terms are often available within 24–72 hours, with funds released once documentation and underwriting are complete.

Timescales vary depending on:

  • Facility size
  • Complexity of the transaction
  • Security and documentation required
  • Borrower preparedness with required information

How the Process Works

  1. Initial discussion to understand your funding requirement
  2. Matching your business with suitable lenders
  3. Presentation of funding options
  4. Support through application and underwriting
  5. Completion and funds released

Our role is to guide the process and manage lender engagement from start to finish.

Asset Finance FAQs

Some lenders require a personal guarantee from directors, particularly for unsecured lending. The requirement depends on the size and structure of the facility and the risk profile of the business.

There is no single minimum credit score. Lenders assess the overall strength of the business, including financial performance, affordability and director credit history.

Yes. Many businesses refinance or consolidate existing loans to improving cashflow, simplify repayments and/or to extend repayment maturities.

Yes. Many lenders understand seasonal trading patterns and can structure facilities that reflect fluctuating cashflow.

Yes. Rapid growth often creates cashflow pressure, and lenders frequently support businesses needing funding to scale operations or fulfil new contracts.

Security is not always required. Smaller facilities may be unsecured, while larger facilities may be supported by property or other assets.

Tell us about your funding requirements

We typically respond within one working day and your enquiry is treated in strict confidence.

For Businesses