1
Answer a few questions for us to understand your business' needs
2
We will advise which options could be suitable for your business
3
We'll present any offers available for your business. You choose the one that best suits your business.
A Working Capital Loan is designed to finance the everyday operational needs of a business, such as payroll, rent, supplier payments, and overheads. It helps bridge cash flow gaps and ensure smooth running of the business during tight financial periods.
These loans can be structured as short-term unsecured loans, revolving credit facilities, or lines of credit. The choice depends on how predictable your cash flow is and whether you need a one-off lump sum or flexible access to funds over time.
Working capital, expansion, stock purchase or covering cash flow gaps.
Compare Business Funding will explore the most suitable lenders based on your business profile, credit score, and loan amount.
Complete the application form and our team will speak to you to fully understand your requirement and request the documentation required.
Once approved, you’ll receive an offer outlining the loan amount, repayment schedule, interest rate, and any fees involved.
The funds are deposited into your business account. You then make the agreed repayments over the agreed term.
At Compare Business Loans, we make it easy to compare a full range of business loan options from top UK lenders.
Whether you're looking for unsecured business loans, secured loans, start-up loans, working capital finance, short-term business funding, or any other type of loan, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.
Quick online quotes
Transparent fees and terms
Wide range of finance providers
No-obligation comparisons
Working Capital Loans are used across all industries, particularly by SMEs that experience seasonal fluctuations, late-paying clients, or need to fund growth initiatives without affecting liquidity.
This funding is especially useful for businesses in retail, hospitality, construction, and services that rely on maintaining consistent operational cash flow.
Before applying, review your cash flow forecast and ensure the repayment terms align with your revenue cycles.
Often within 24–72 hours after approval.
Yes, it’s ideal for managing cyclical cash flow.
Some lenders offer tailored repayment structures.
Not always; many options are unsecured.
Yes, as with any loan, ensure timely repayments.
