Working Capital Loans UK — £50k to £500k for SMEs
Running a business in the UK means balancing opportunities with constant cash flow demands. Seasonal dips, supplier payments, or late invoices can put pressure on your finances — even when your business is profitable.
That’s where working capital loans come in.
At Funding Freddie, we specialise in helping SMEs secure £50k–£500k working capital loans through a trusted panel of FCA-authorised lenders. One quick application gives you access to multiple offers, so you can secure funding that fits your business — fast.
What is a Working Capital Loan?
A working capital loan is short-term finance designed to cover the operational expenses of running a business.
Unlike expansion loans or property finance, which focus on long-term growth, working capital loans give SMEs the flexibility to handle immediate cash flow needs.
They’re most often used to:
Cover supplier invoices and operating costs.
Manage payroll and staff expenses.
Keep rent and utilities up to date.
Buy stock ahead of busy trading periods.
Bridge the gap while waiting for invoices to be paid.
Why SMEs Use Working Capital Loans
Cash flow challenges are the #1 reason SMEs struggle, even in growth phases. With a working capital loan, you get:
Speed — approvals in as little as 24 hours.
Flexibility — loans tailored from £50k–£500k.
Transparency — no hidden fees, no nasty surprises.
Peace of Mind — every lender we work with is FCA-authorised.
Real Success Stories
Case Study 1: Shoreditch Café (£50k)
A café in East London needed funds to refurbish and relaunch after a downturn. With Freddie’s support, they secured a £50k working capital loan in under a week, boosting sales by 40% within three months.
Case Study 2: Birmingham Logistics Firm (£100k)
A logistics company faced a supplier bottleneck. By securing a £100k working capital loan, they covered immediate expenses and fulfilled a major contract without delays.
Case Study 3: Leeds Retailer (£250k)
A retailer preparing for Christmas needed capital to stock inventory ahead of time. A £250k loan allowed them to stay ahead of demand and achieve record seasonal sales.
How Working Capital Loans Compare
Working Capital vs Expansion Loans → expansion = long-term growth; working capital = short-term operational support.
Working Capital vs Invoice Factoring → loans = new capital; factoring = unlock existing receivables.
Working Capital vs Overdrafts → overdrafts = limited flexibility; working capital = larger, structured support.
Want to compare all our SME funding options? Visit our Funding Solutions hub→
How It Works With Funding Freddie
One Quick Form → tell us about your business in under 60 seconds.
Smart Matching → we connect you to multiple FCA lenders.
Compare Offers → tailored options for £50k–£500k loans.
Get Funded Fast → many approvals in 24–48 hours.
FAQ's
FAQs — Working Capital Loans UK
What’s the loan range for working capital loans?
👉 Between £50,000 and £500,000, depending on your profile.
How quickly can I get approved?
👉 Many SMEs are approved in 24 hours, with funds available within 2–3 days.
Do I need to provide collateral?
👉 Not always — some lenders offer unsecured loans, depending on business history and turnover.
Will applying affect my credit score?
👉 No — we use soft searches that won’t impact your file.
Can a new business apply?
👉 Generally, lenders require at least 12 months trading history for loans above £50k.
Why Choose Freddie for Working Capital Loans?
When you work with Funding Freddie, you get more than just loan options — you get peace of mind.
Unlike banks, Freddie makes funding fast, flexible, and transparent:
One form, multiple lenders competing.
Approvals in as little as 24 hours.
Loans between £50k–£500k.
FCA-authorised lenders only.
Just fast, flexible funding tailored to SMEs
Join hundreds of UK businesses already securing funding through trusted FCA-authorised lenders.
Business Funding Made Simple, Safe & Transparent
Address: Ilford Lane, Ilford, England, IG1 2SN
Email: [email protected]
Phone: 0741 410 7585
Opening Hours: Available 24/7 to answer your questions and guide you.
You can also complete our online eligibility form anytime, 24/7
Funding Freddie is a trading name of Digital Success Blueprint Ltd. Registered in England and Wales. Registered address: 411 Ilford Lane, Ilford, England, IG1 2SN.
Funding Freddie is not a lender. We act as an introducer, connecting SMEs with a panel of carefully selected FCA-authorised lenders. All loan agreements are made directly between the applicant and the lender.