Loans For Working Capital | Borrow Today | Acceptance
Working capital loans – keep your business running while you grow it
Growth and gaps in cash flow often happen at the same time. Borrow £50,000–£500,000 to cover the day-to-day cost of running your business – payroll, rent, stock, suppliers – without pausing everything else while you wait for cash to catch up.
WHAT'S INCLUDED
£50,000 - £500,000
Loan amount
6 - 60 months
Repayment term
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Funding in 48 Hours
Speedy finance to suit you
Won’t affect your credit score
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is working capital and why does it run short?
Working capital is the cash a business has available to cover its everyday running costs – the gap between what you’re owed by customers and what you owe to suppliers, staff, and other short-term obligations.
- In accounting terms, it’s current assets minus current liabilities: money in the bank and outstanding invoices, minus bills, payroll, and short-term debt due soon.
A business can be profitable on paper and still run short on working capital, because profit and cash rarely move in step. Growth is one of the most common causes: taking on new customers or a larger contract often means paying for stock, staff, or materials weeks or months before that revenue is invoiced and collected.
A working capital loan exists to smooth that gap: it funds the operational cost now, and you repay it on a schedule that doesn’t depend on exactly when your own customers pay.
What is a working capital loan?
A working capital loan is unsecured business funding used to cover the day-to-day operating costs of running your business, rather than a specific one-off purchase like a vehicle or a piece of equipment. You borrow a fixed amount, repay it in predictable monthly instalments, and use it to keep normal operations funded while cash flow catches up.
Use working capital finance to cover:
Payroll and staffing costs
Keep wages paid on time during a slow month or while scaling up headcount
Rent, utilities, and overheads
Cover fixed running costs that don't pause even when revenue does
Stock and supplier payments
Pay suppliers on time while waiting for customer invoices to clear
Seasonal fluctuations
Fund a quieter period, or gear up for a busy one, without disrupting cash reserves
£500k
Who are working capital loans suitable for?
Businesses that need quick financing to cover everyday costs.
Secured or Unsecured?
Working capital loans are usually not secured against any of your assets.
Why get a loan for working capital?
Working capital loans can provide a great solution to help you keep day-to-day operations running – whether it’s payroll, rent, stock, supplier payments, or general overheads.
Eligibility Requirements
Am I eligible for a working capital loan?
We lend across all sectors. Meet the basics below and there’s a strong chance we can help.
Based in the UK
Registered and actively trading in the United Kingdom.
Trading 6+ months
A shorter history requirement than many of our other business loan options.
£50,000+ annual turnover
Enough revenue to service the loan comfortably.
Director, owner, or partner
Legal authority to take on debt for the business.
Not currently insolvent
No administration, liquidation, or unpaid CCJs.
We welcome applications from limited companies, sole traders, partnerships, and LLPs – including newer businesses and those with bad credit.
Requirements
What do I need to apply for working capital finance?
Company registration number
To verify your business with Companies House.
3 months of bank statements
To understand your trading performance and make a decision quickly.
Annual turnover
We need to see that your business generates at least £50,000 per year in revenue.
Contact details
We'll need your name, email address, phone number, and your role within the business.
What are the advantages of a working capital loan?
Here, we go through some of the benefits but also things to consider before applying for a loan for working capital:
- Advantages
- Covers day-to-day costs, not just a single asset or purchase
- Fixed repayments - easy to budget around
- Preserve cash flow instead of dipping into reserves earmarked elsewhere
- Decision in 24 hours
- Repay early with zero penalties
- Not secured against business assets
- Disadvantages
- Total cost is higher than funding operations from cash flow alone
- Rate depends on trading history and affordability
- Requires 12 months of trading history
- Not designed for financing a single large asset - asset finance usually suits that better
The process
How do I apply for a working capital loan?
Simple, fast, and designed to cause as little disruption to day-to-day trading as possible.
Apply in minutes
A quick online form. Tell us about your business and how much working capital you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Costs
How much will working capital finance cost?
Your rate is personalised and confirmed before you commit. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | Monthly Repayments | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | £2,510 | £60,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £200,000 | 48 months | £5,820 | £279,360 |
| £350,000 | 60 months | £9,030 | £541,800 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment – that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
What will my working capital loan repayments be?
Get an instant estimate based on the amount and your preferred term. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
What do you get with working capital loans?
Borrow £50k – £500k
Choose the exact amount your business needs.
6 to 24 month terms
Clear the loan in a matter of months.
Fixed monthly repayments
Know exactly what you owe each month. No surprises.
No security required
Your business assets stay yours, free and clear.
Repay early, fee-free
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
Put it to work
What can you do with working capital funding?
Whatever’s putting pressure on cash flow, here’s what our customers use working capital loans for.
- Cover payroll during a slow or scaling period
- Pay suppliers on time while awaiting customer invoices
- Buy stock ahead of a busy or seasonal period
- Cover rent, utilities, and other fixed overheads
- Bridge the gap while growing into a larger contract
- Stabilise cash flow after a one-off cost or shortfall
FAQs about loans for working capital
What can a working capital loan be used for?
Anything needed to keep day-to-day operations running - payroll, rent, stock, supplier payments, or general overheads. It's not restricted to a specific purchase, unlike asset finance.
Why would a profitable business need a working capital loan?
Profit and cash don't always move together. A business can be profitable on paper while still waiting weeks or months for customer invoices to clear, especially during a period of growth.
What's the difference between a working capital loan and a business credit line?
A working capital loan is a fixed amount repaid on a set schedule, which suits a defined gap you can size in advance. A business credit line is a flexible, revolving facility better suited to ongoing or unpredictable short-term needs.
Will applying affect my credit score?
No. Checking your eligibility uses a soft credit check, which leaves no footprint on your credit file. A full check only happens if you choose to proceed, and we'll tell you first.
How quickly can I get a working capital loan?
Most applicants receive a decision within 24 hours, with funds released in as little as 48 hours.
Can I repay a short-term loan even earlier than the agreed term?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Explore more
Other ways Acceptance can fund your business
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VAT Loans
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