Working Capital
Working capital finance is short-to-medium-term funding for the day-to-day running of your business — bridging the gap between paying out and getting paid, covering payroll and stock, or riding out seasonal dips.
Quick estimate
Total at 7.4% APR. Illustration only.
From application to funded.
- 01
Tell us the gap
Explain what the funding is for and how long you need it — a short-term loan or a flexible facility may suit better.
- 02
We find the right structure
We compare short-term loans and revolving facilities from lenders on our panel.
- 03
Draw what you need
Receive a lump sum, or draw from a facility as and when you need it, depending on the product.
- 04
Repay & reuse
Repay over the agreed term — with revolving facilities, repaid funds can often be drawn again.
An honest fit check.
Ideal for
- Smoothing uneven cash flow
- Covering payroll, VAT or supplier bills
- Buying stock ahead of busy seasons
- Taking advantage of bulk-buy discounts
Consider an alternative if
- For a long-term investment like premises, a term loan is usually better value
- If the gap is caused by unpaid invoices, invoice finance may be more efficient
What it costs — explained.
No hidden extras. Every cost is shown in your offer before you sign anything.
- Interest
- Shown as an APR. With revolving facilities you typically only pay interest on the amount you’ve actually drawn.
- Facility / arrangement fees
- Some facilities have a set-up or renewal fee — always shown clearly in your offer.
- Broker fee
- None. We may receive a commission from the lender, which never changes the rate you’re offered.
What lenders look at.
- Trading history and turnover
- Bank statement conduct
- Existing commitments and affordability
- What the funds are needed for
Documents you’ll upload.
All documents are uploaded securely in your CP0 account and only viewed by our underwriters.
How quickly can I get working capital?
Short-term facilities are often among the quicker products to arrange once your documents are in. We’ll give you a realistic timeline when we review your application.
Do I pay interest on the full amount?
With a lump-sum loan, yes. With a revolving facility, usually only on what you’ve drawn.
Can I use it for VAT or tax bills?
Yes — covering tax bills and seasonal costs is a common use of working capital funding.