Working Capital Finance

Working capital finance provides businesses with short-term funding to manage day-to-day operations, cover payroll, stock, or invoices, and smooth cashflow gaps. It’s ideal for businesses experiencing seasonal fluctuations or rapid growth.

Working capital finance is ideal when:

✅ You need to cover short-term operational costs
✅ You’re managing seasonal cashflow fluctuations
✅ You want to finance invoices or outstanding debtors
✅ You need quick access to funds without long-term commitments
✅ You’re funding through a Limited Company, partnership, or sole trader

At The Funding Group, we help businesses access flexible working capital finance tailored to their needs.

Common Use Cases for Working Capital Finance

We support businesses with finance for:

💼 Payroll and staff costs
📦 Stock and inventory purchases
📈 Seasonal or cyclical cashflow gaps
🔁 Invoice financing and debtor management
🛠️ Operational expenses and supplier payments

Every business has unique cashflow needs — we match you to the right lender and funding structure.

How We Work

📞 Initial Chat (Same Day)
We review turnover, invoices, and cashflow cycles to identify suitable finance options.

📄 Indicative Terms Within 24 Hours
We shortlist lenders based on funding size, term, and repayment flexibility.

🏦 Approval & Documentation
We coordinate paperwork, prepare agreements, and liaise with lenders.

💷 Quick Access to Funds
Most working capital finance is available within 24–72 hours.

Why Businesses Choose The Funding Group

We help you:

💼 Access finance for day-to-day operations
📊 Smooth cashflow without long-term debt commitments
🚀 Scale operations during growth periods
🔁 Cover seasonal or temporary funding gaps
💡 Access lenders not available directly

We support your cashflow strategy with clarity and confidence.

Need Working Capital Finance?

We’re here to help you secure the right funding quickly and transparently.

✅ Fast decisions
✅ Expert cashflow guidance
✅ End-to-end support from enquiry to drawdown

👉 Get a same-day quote or call 08000 699 500

Working Capital Finance FAQs

How much can I borrow?
Lenders typically offer 25–100% of monthly turnover, depending on business size and cashflow.

Do I need security?
Some lenders require security; others offer unsecured short-term options.

How quickly can funds be available?
Typically 24–72 hours for standard applications.

Is it suitable for new businesses?
Yes — many lenders work with start-ups, though terms may vary.