Working Capital Finance UK
In short: Working capital finance covers short-term funding gaps for UK businesses through revolving credit, overdraft alternatives, invoice finance or short-term loans, usually £5k to £250k. CoreFi matches you across the whole market for free.
Working capital finance is short-term funding that keeps a business running day to day, covering the gap between paying suppliers and getting paid by customers.
It takes several forms: a revolving credit facility or overdraft alternative you draw on as needed, invoice finance that releases cash from unpaid invoices, or a short-term loan. Businesses use it for stock, payroll, seasonal peaks and unexpected costs. CoreFi matches your need to the most suitable facility across the market, so you only pay for what you use.
Key Benefits
- Flexible revolving facilities, draw only what you need
- Invoice finance releases up to ~90% of invoices
- Fast to arrange for short-term gaps
- Whole-of-market, no fee to search
Frequently Asked Questions
What counts as working capital finance?
Anything that funds day-to-day operations rather than a long-term asset: revolving credit, overdraft alternatives, invoice finance, merchant cash advances and short-term loans all qualify.
Revolving credit or a loan?
A revolving facility suits fluctuating, ongoing needs (you draw and repay repeatedly and pay interest only on what you use); a short-term loan suits a single known cost.
How fast can it be arranged?
Revolving facilities and invoice finance can be live within days to a couple of weeks once your accounts and bank statements are in.
Related Funding Options
Invoice Finance UK
Release cash tied up in unpaid invoices. Invoice factoring and discounting for UK businesses. Advance up to 90% of invoice value within 24 hours.
Business Loans UK
Business loans for UK companies from £5k to £500k+. Unsecured and secured options, funded in days to a couple of weeks. Whole-of-market broker, no fee to search.
Merchant Cash Advance UK
Get a lump sum advance repaid through a percentage of your card sales. No fixed payments, no property security. MCA for UK businesses.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.