Business loans for working capital

Get a working capital boost of £10,000 to £750,000 at affordable rates

Apply as a limited company without affecting your credit score

Excellent 16,880 reviews

• Apply online in 7 minutes
• Decision in as little as 1 hour
• Borrow £10,000 to £750,000
• Rates from 6.9% per year
• No fees to settle early

Funding Circle has worked with the British Business Bank since 2013, supporting thousands of businesses as one of the largest providers of Government-backed loans including through the Growth Guarantee 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 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.

Teasdale Motorcycles

MOTORCYCLE DEALERSHIP

North East England

"We were quite exhausted really, talking to the banks. It always ended with a 'but' and we could just never get where we wanted to be"

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.

1. 1

Check if you’re eligible in 30 seconds

See if you qualify with no fuss

2. 2

Apply online in 7 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

Frequently asked questions

What is a working capital loan?

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.

Am I eligible for a working capital loan?

To be eligible to apply for a working capital loan with us, you need to:

1. Have been trading for 1 year or more
2. Be based in the UK

How much will a loan for working capital cost?

The amount your loan will cost will depend on the amount of money you want to borrow, your interest rate and your loan term. We charge a one-off completion fee when you take out your loan, and your interest rate will be calculated based on a number of factors, including your credit score and financials for business lending.

There’s also no fee if you want to settle the loan early. All our loans are fixed rate, so you’ll know exactly how much you’ll need to repay each month and what the cost of borrowing is.

How much can I borrow through Funding Circle?

You can borrow from £10,000 to £750,000 with a small business loan for working capital from Funding Circle.

Can I repay my business loan early?

Yes, our business loans come with no early settlement fees, meaning you can overpay more than your contractual amount or settle the entire facility whenever your cash flow allows. This means you could actively save on interest. They also come with a fixed-rate, allowing for more accurate financial forecasting.

How long will it take to get a business loan for working capital?

You’ll get a decision on your small business finance in as little as 1 hour. Once you accept your offer and the final checks have been completed, your funds will be paid out typically within 7-14 days.