Working capital loans for UK SMEs
Is cash flow holding your business back? Whether you’re preparing for seasonal demand or covering day-to-day expenses, working capital finance offers fast access to funds to keep your operations running smoothly. Discover tailored funding options with zero impact on your credit score. Get your free, no-obligation quote today.
What is a working capital loan, and how can it be used?
Working capital finance is a form of flexible funding designed to support the everyday running costs of your business. It helps smooth out cash flow fluctuations by covering short-term expenses such as payroll, stock, supplier invoices, or rent.
Why Flexible Working Capital Solutions Matter to UK Businesses
Cash flow is consistently one of the biggest challenges faced by UK SMEs. In fact, nearly 7 in 10 small businesses say they seek external finance specifically to manage cash flow issues.
Whether you’re an established business turning over £20 million or a growing company with £500k in revenue, access to the right working capital facility can make all the difference in maintaining momentum and seizing new opportunities.
How to calculate working capital for your business
Your working capital is the difference between your current assets (such as cash, receivables, and inventory) and your current liabilities (bills and debts due within the next 12 months).
A positive working capital means your business has a healthy buffer to meet short-term financial commitments. A negative balance could signal upcoming cash flow challenges that may need immediate attention.
Why choose Prospera Funding for working capital loans?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Working Capital Loan Calculator, Estimate Your Monthly Repayments
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for a working capital loan
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your working capital funding needs
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review tailored working capital loan offers
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your working capital loan within 24–48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
