Working capital business loans
Support for day-to-day cash-flow pressure.
Often considered when money is tied up but the business still needs to run.
The safest first step is understanding what actually fits your situation.
100% free • No credit score impact
🏆 Lenders’ Choice Broker of the Year Finalist (Optimise Awards 2025)
Why businesses look for working capital
Most businesses explore working capital when:
wages or supplier bills are due before income arrives
cash is locked up in invoices, stock, or upcoming jobs
income is uneven from week to week
timing gaps start creating stress
they want stability without making the problem worse
Cash-flow pressure is common — and it doesn’t mean the business is failing.
What working capital actually means in practice
Working capital is about keeping the business moving when timing doesn’t line up.
In simple terms, it’s support that helps cover everyday operating costs while income catches up — so wages are paid, suppliers stay onside, and momentum isn’t lost.
It’s not about long-term expansion or big purchases.
It’s about continuity.
When working capital is usually considered
Working capital is often explored when:
payroll needs to be covered during a slow or uneven period
suppliers need to be paid before a job is completed
invoices are outstanding but expenses continue
seasonal dips create short-term pressure
upfront costs are required to keep work flowing
If the pressure is ongoing or structural, other options may be more suitable.
What lenders usually look at
While every case is different, most lenders will review:
how long the business has been trading
recent business bank statements
money coming in and going out
existing debts and commitments
the reason the funds are needed
At least 6 months of business bank statements are always required.
How this usually works
At a high level, the process is simple:
You check eligibility
Bank statements are reviewed to understand cash flow
We explain what looks realistic — and what doesn’t
Nothing moves forward without review and your consent.
What can slow things down
Things that often delay outcomes include:
an unclear reason for the funding
messy or inconsistent bank statements
ongoing cash-flow strain without context
applying in multiple places at the same time
Getting the pathway right first usually leads to better outcomes.
Common working capital situations
These pages focus on specific cash-flow pressure points:
Working capital for payroll — covering wages during tight periods
Working capital for supplier bills — managing trade accounts and terms
Working capital for overdue invoices — bridging gaps while waiting on payment
Working capital for seasonal dips — smoothing quieter periods
Each page looks at one situation only.
FAQs
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No. Many healthy businesses experience timing gaps. Working capital is often explored to manage cash flow, not because a business is failing.
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Many working capital options don’t rely on assets. Assessment is usually based on cash-flow patterns shown in bank statements.
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Yes. Covering wages and supplier bills is a common reason businesses explore working capital support.
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It’s typically used to manage short-term or medium-term pressure. Ongoing issues may require a broader review.
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No. Checking eligibility helps clarify what may be realistic. Nothing proceeds without review and consent.
The safest next step
If cash-flow pressure is affecting day-to-day operations,
the safest next step is to check eligibility first.
100% free • No credit score impact
Consent & next steps
No obligation to proceed
Nothing moves forward without your consent
We’ll confirm what’s needed before anything progresses
For a broader overview of options, you can also visit our business loans page.