Business Loans For Working Capital

Get a working capital boost of £10,000 to £500,000 at affordable rates

  • Apply online in 10 minutes
  • Decision in as little as 1 hour
  • Borrow £10,000 to £500,000
  • Rates from 4.3% - 12.1% p.a.
British Business Bank

Funding Circle is accredited by the Government-owned British Business Bank to provide business loans of £25,001 to £350,000 under the Recovery Loan Scheme (RLS). .

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
  • Access seasonal cash flow
  • Cover a one-off cost
  • Win a new contract
  • Fulfill an order
  • Grow your business

Check your eligibility in 30 seconds with our online form without affecting your credit score.

Sunita Passi, founder of Tri-Dosha, borrowed £21,000 for her skincare business. After accessing extra working capital, her new product is now sold on the high street.

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. Check if you qualify in 30 seconds

    See if you’re eligible without affecting your credit score.

  2. Apply online in 10 minutes

    Tell us about you and your business with our simple application.

  3. Get your decision

    If approved, you’ll receive a no-obligation, personalised quote.

  4. Your loan is funded

    Once you accept, we run some final checks to process your loan and deposit the money straight into your account.

Apply now

Here to help if you need us

Our UK-based team are here to help throughout your loan.

0800 048 2467

Need help? Call us.

Brilliant service and every step is made to be as easy and straight forward as possible.
Mel, March 2021
Very fast, friendly and efficient, there can not be an easier way to raise working capital.
Derek, August 2017

David Stirk at The Creative Whisky Company used his working capital loan of £258,000 to invest in more stock.

The Independent
Funding Circle, the biggest online lender for small businesses in the UK… became the first online lender to arrange more than £100m in loans in a single month.
The Independent, January 2017

Frequently asked questions

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.

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

  • Have a minimum of 2 years’ trading history
  • Be a limited company or limited liability partnership (LLP)

To receive a loan through the Government’s Recovery Loan Scheme (RLS), you’ll also need to meet the scheme’s criteria:

  • Business has been impacted by coronavirus
  • Business is trading in the UK
  • Loan is for business purposes (ie. working capital or investment, and to support trading in the UK)
  • To help as many businesses as possible, we’ll look at how your business has performed over a longer period of time. So, even if you’ve been negatively impacted by the pandemic, you could still be approved for a loan.

    Check if you are eligible for a working capital loan

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.

You can borrow from £10,000 up to £500,000 with a small business loan for working capital from Funding Circle.

Yes, you’re able to settle your loan early at any time and there are no fees for full early repayment.

You’ll get a decision on your small business finance in as little as 5 hours. Once you accept your offer and the final checks have been completed, your funds will be paid out typically within 7-14 days.

The Recovery Loan Scheme (RLS) aims to improve the terms on offer to businesses. If we can offer you a Funding Circle business loan for the same amount on similar or better terms without requiring the guarantee provided by the scheme, we will do so. It's important to note that if you are approved for a Recovery loan, the business is required to pay interest and fees from the outset.

The Recovery Loan Scheme is managed by the British Business Bank on behalf of, and with the financial backing of, the Secretary of State for Business, Energy & Industrial Strategy. British Business Bank plc is a development bank wholly owned by HM Government. It is not authorised or regulated by the PRA or the FCA. Visit the British Business Bank website.

We’re here to help

Contact our team if you have any questions.

0800 048 2467

Need help? Call us.