Flexible Working Capital Loans for UK Businesses
- Check Eligibility
- 100+ Lenders
- Fast Decisions
- Check Eligibility
- 100+ Lenders
- Fast Decisions
Access flexible working capital finance to manage day-to-day costs, bridge short-term cash flow gaps and support business growth. Revia compares working capital loans from a broad panel of lenders to identify suitable funding based on your business requirements.
What Is a Working Capital Loan?
A working capital loan provides businesses with additional finance to support everyday operating costs and short-term funding requirements. Unlike finance used to purchase a specific long-term asset, working capital funding can provide additional liquidity for the ongoing needs of a business.
Business working capital loans can help fund stock purchases, supplier payments, payroll, marketing, seasonal demand and other operational expenses. They can also provide additional financial headroom when the timing of business income and expenditure does not align.
The most suitable form of working capital finance will depend on factors such as your funding requirement, trading history, turnover, affordability and how quickly the capital is required.
Revia works with UK businesses to understand their requirements and compare suitable funding options from across our lender panel.
Who Can Apply?
UK Limited Companies
Most Trading Sectors
Start-Ups Considered
Commercial Use Only
Suitable Credit Profile
Guarantees May Apply
Key Benefits
Improve Cash Flow
Fund Business Growth
Flexible Use Of Funds
Quick Access To Capital
Support Working Capital Needs
Broad Range Of Facility Types
Key Terms
Facilities From £10,000+
Terms Typically 3–60 Months
Secured And Unsecured Options
Fixed And Variable Rate Options
Fast Decision Times
Early Settlement May Be Available
Working Capital Loans for Small Businesses
Working capital loans can provide SMEs with additional funding for both planned expenditure and unexpected short-term requirements. Eligibility and available terms vary between lenders, so the right solution will depend on your business circumstances and funding needs.
Working Capital Loans for Small Businesses
Working capital loans can provide SMEs with additional funding for both planned expenditure and unexpected short-term requirements. Eligibility and available terms vary between lenders, so the right solution will depend on your business circumstances and funding needs.
How Do Working Capital Loans Work?
Enquire
Tell us about your funding requirement and objectives.
Review
We assess your business profile, requirements and options.
Structure
We identify suitable lenders and structure the facility.
Terms
We obtain lender terms and guide you through next steps.
Completion
Once approved, documentation is completed and funding released.
Working Capital Built Around Your Business
Every business has different working capital requirements. Whether you’re looking to manage cash flow, purchase stock, cover supplier costs or support growth, we’ll help identify funding solutions suited to your requirements.
Through our broad panel of lenders, we compare suitable working capital finance options and structure facilities around your business circumstances and objectives.
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Compare Working Capital Lenders Through Revia
Tailored Funding Solutions
Access To Specialist Lenders
Support From Start To Finish
We take the time to understand your objectives before identifying funding solutions tailored to your business, commercial circumstances and future plans.
Rather than promoting a single lender or product, we compare suitable options to help you secure funding that supports your objectives.
Working Capital Loan FAQs
We've answered some of the most common questions about this funding solution. If you can't find what you're looking for, our team is always happy to help.
A working capital loan is business finance designed to provide additional capital for day-to-day operating requirements and short-term expenditure. Businesses may use the funding for purposes such as stock, suppliers, payroll, seasonal costs or growth. The exact permitted uses will depend on the lender and facility.
A lender provides an agreed amount of business funding which is repaid according to the terms of the facility. Repayment structures, interest rates, fees and terms vary between lenders. Some working capital facilities provide a lump sum, while other forms of finance may offer more flexible access to funding.
Working capital loans can potentially be used for stock, supplier payments, payroll, marketing, seasonal expenditure, new contracts and other operating costs. Permitted uses vary by lender, so the funding should be matched to the specific requirements of the business.
You will normally need to provide information about your business, the amount required and the purpose of the funding. Depending on the lender, supporting information may include bank statements, financial accounts or management information. Revia can assess your requirements and help identify appropriate lenders.
Potentially. Some lenders require an established trading history, while others may consider newer businesses depending on their circumstances. Eligibility can depend on turnover, affordability, credit profile, sector and the proposed use of funds.
Explore Other Business Funding Solutions
Invoice finance unlocks cash tied up in unpaid invoices, helping businesses improve cash flow and access working capital without waiting for customers to pay.
Business loans provide flexible access to capital that can be used for growth, investment, acquisitions, recruitment or day-to-day business requirements.
Access funding based on the strength of your business cash flow profile. Support operations, growth plans and short-term funding requirements.
Access flexible funding that can be drawn, repaid and reused as required. Designed to support ongoing cash flow needs and changing business demands.
