Compare Working Capital Loans

  • If your business needs funds to pay for everyday operational costs then you could consider a working capital loan
  • Compare specialist UK providers of working capital loans in our comparison table below

Choose a type of business loan to compare...

THINK Business Loans
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THINK Business Loans

Call THINK Business Loans today -
  • THINK work with over 200 Commercial Lenders
  • MINIMUM 6 Months trading History
  • Unsecured Business Loans from 1.8% APR
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    • Funding Circle Working Capital Loans logo
      Peer To Peer

      Funding Circle Working Capital Loans

      • Get working capital to take your business forward with a fast, affordable business loan
      • No fees for full early repayment
      • Not currently part of Coronavirus Business Interruption Loan Scheme
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £250,000
      • Available Terms
        6 months to 5 years

      Company details

      • Simple online form and dedicated Account Manager
      • No fees for full early repayment
      • Not currently part of Coronavirus Business Interruption Loan Scheme

      Eligibility criteria

      • Must have at least two years filed accounts with Companies House or formally prepared accounts for non-limited businesses
    • THINK Business Loans Working Capital Loans logo
      Broker

      THINK Business Loans Working Capital Loans

      • THINK's iFunds matching platform compares hundreds of working capital business loans and facilities instantly
      • Access rates from as low as 0.2% (monthly), in under 2 hours
      • Reducing Balance facilities, only pay for what you use
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £25,000 to £1,000,000
      • Available Terms
        3 months to 5 years

      Company details

      • THINK's funding platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
      • THINK are the UK's leading business lending specialists; their experts are on hand to guide you through the process
      • Find the perfect loan in minutes - Make the lender work for you

      Eligibility criteria

      • Must have 6 months trading history
      • No CCJs
      • Sole Traders welcome
    • Funding Xchange Working Capital Loans logo
      Broker

      Funding Xchange Working Capital Loans

      • Discover instant & personalised Working Capital offers in just 3 minutes
      • Finance your company’s everyday operational needs
      • Compare working capital lenders and find the rate right for you
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £500,000
      • Available Terms
        1 month to 5 years

      Company details

      • Funding Xchange’s platform matches your eligibility against 45+ lenders instantly, with no broker fee
      • Apply in 3 minutes and you could get funded in a few hours
      • Never pay more than direct and the search won’t affect your credit rating

      Eligibility criteria

      • Your business must have been trading for a minimum of 2 years
      • Your business must have an annual turnover of at least £80,000
    • Alius Finance Working Capital Loans logo
      Broker

      Alius Finance Working Capital Loans

      • Pre-approved credit facility and you only pay interest on funds used.
      • A flexible option for improving cash-flow, with no early repayment penalties.
      • Market leading approval rates, no obligation funding decision, typically within 24-48 hours.
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £2,000,000
      • Available Terms
        3 months to 5 years

      Company details

      • Match your business to the country's leading lenders with one simple application.
      • A marketplace for your business, where interested lenders compete, driving rates and fees down.
      • Extensive network providing a quick decision, typically within 24 hours, with no obligation and no upfront cost.

      Eligibility criteria

      • Available to UK limited companies only
      • Not available to start-ups

    Suppliers that don't offer All Business Working Capital Loans but may offer suitable alternatives:

    • Esme logo

      Esme

      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Unsecured business loans up to £250k with no set up fees or early repayment charges
      • Minimum Turnover
        £15,000 p.a.
      • Available Amounts
        £10,000 to £250,000
      • Available Terms
        1 to 5 years

      Company details

      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Unsecured business loans up to £250k with no set up fees or early repayment charges

      Eligibility criteria

      • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
      • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
    • Capital on Tap logo

      Capital on Tap

      • Capital on Tap are a Revolving Credit Facility you can utilise through either a credit card, a loan or both
      • Credit limits up to £50,000 with no monthly or annual fees
      • 0% Interest on all card purchases, when balance cleared in full each month
      • Minimum Turnover
        £24,000 p.a.
      • Available Amounts
        £1,000 to £50,000
      • Available Terms
        1 month to 2 years

      Company details

      • Capital on Tap specialises in supporting the UK's SMEs and Self Employed Merchants with credit through their card and loan facilities.
      • Within 1 minute of application they can offer Credit limits of up to £50,000 with rates as low as 9.9%.
      • Since 2012, Capital on tap has provided more than £1billion to over 60,000 UK businesses.

      Eligibility criteria

      • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
      • No Outsanding CCJs
      • Minimum 12 months Trading History
    • Liberis logo

      Liberis

      • Your business must process credit and debit card transactions to apply for this product
      • Competitive pricing tailored to your business
      • Approval in as little as 5 mins, and funds can be yours within hours
      • 9 out of 10 customers would recommend Liberis
      • Minimum Turnover
        £2,500+ card transactions per month
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months

      Company details

      • Approval in as little as 5 mins, and funds can be yours within hours!
      • Competitive pricing tailored to your business. No APR or hidden fees.
      • 9 out of 10 customers would recommend Liberis

      Eligibility criteria

      • Trading for 4+ months
      • Average £625+ a week in card payments
    • The Start Up Loans Company logo

      The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Working Capital Loans FAQ

Working capital loans can offer a buffer for seasonal businesses and those looking to secure their cash flow. Could a great deal on a working capital loan help your company?

What is working capital?

What is a working capital loan?

What type of business takes out a working capital loan?

How does a working capital loan work?

What are the lending criteria for a working capital loan?

What are the advantages of taking out a working capital loan?

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