Working Capital

Flexible funding to keep your business moving, growing, and thriving

What Is Working Capital Finance?

Working capital finance is a type of business funding designed to support the day-to-day operational needs of your company. It helps cover short-term costs like wages, supplier invoices, stock purchases, or unexpected cash flow gaps — ensuring your business stays agile and responsive, even during seasonal or challenging periods.

Whether you're scaling operations, experiencing rapid growth, or managing temporary cash shortages, working capital funding provides the liquidity needed to keep your business running smoothly.

Types of Working Capital Finance

At The Funding Group, we offer a wide range of tailored working capital solutions, including both short-term and revolving credit options:

Unsecured Business Loans

Fast access to funds with fixed terms and repayments — no collateral required.

Revolving Credit Facilities

Similar to an overdraft. Draw down funds when needed, repay, and reuse for ongoing flexibility.

Invoice Finance

Release up to 90% of the value of your unpaid invoices immediately — ideal for B2B businesses with slow-paying clients.

Merchant Cash Advances

Repay funding through a percentage of daily card sales — perfect for retail, hospitality, and leisure businesses.

Trade Finance

Pay suppliers upfront and extend payment terms — great for importers, wholesalers, or product-based businesses.

Asset Refinance

Release equity tied up in equipment or vehicles to generate working capital while continuing to use the assets.

Typical Terms & Key Features

  • Loan Amounts: £10,000 to £2 million+

  • Terms: 3 months to 3 years (longer available for asset-backed solutions)

  • Security: Unsecured or secured options available

  • Repayment: Fixed, flexible, or revenue-based depending on facility type

  • Speed: Offers in 24–72 hours; funds often within 5 working days

  • Tailored funding: Match funding structures to your cash flow cycles

Our advisors will recommend the most suitable structure for your business — whether you need a one-off cash injection or an ongoing facility.

Who Can Use Working Capital Finance?

Working capital finance is suitable for a wide range of businesses across the UK, including:

  • Limited companies, LLPs, and sole traders

  • Seasonal or cyclical businesses

  • Companies with late-paying clients or fluctuating revenue

  • Fast-growth businesses needing to invest in operations

  • Startups and SMEs facing temporary shortfalls

  • Businesses in retail, hospitality, logistics, construction, and more

Even if your cash flow is under pressure or you don’t own property, there are flexible options available.

Benefits of Working Capital Finance

  • Stabilise cash flow during quiet periods or rapid expansion

  • Access funds quickly for wages, stock, suppliers, and operations

  • Improve supplier relationships by paying on time or early

  • Avoid cash shortages without disrupting growth plans

  • Choose from multiple funding structures to match your business model

  • No long-term debt required for short-term funding needs

  • Maintain control without giving up equity or ownership

Working capital finance is one of the most effective ways to stay in control of your business finances — even during uncertain times.

Need Working Capital Support?

If your business needs a cash flow boost to bridge gaps, seize opportunities, or keep operations moving, The Funding Group is here to help.

Contact our expert team today for a free, no-obligation quote and tailored funding advice.