Working capital finance

Any funding that covers the day-to-day running of the business rather than a one-off asset. Stock, payroll, supplier bills, marketing, filling a seasonal dip, or simply having a buffer. It can be a term loan, a revolving facility you dip in and out of, or finance that flexes with your sales.

It depends on your turnover, profitability and trading history. Unsecured business loans commonly run from a few thousand up to a few hundred thousand pounds. Larger amounts are possible but usually need security or stronger accounts. As a guide, lenders often look at affordability against your monthly turnover rather than a fixed cap.

A fixed term loan gives you a set monthly payment, which is easy to budget and usually cheaper if your income is steady. Revenue-based finance and merchant cash advances flex with your takings, so you pay less in quiet months, which suits seasonal or card-heavy businesses. The right fit largely comes down to how predictable your income is. We cannot advise you which to take, but we will lay out the costs of each so you can decide.

For a clean limited company, working capital is one of the quicker products. Decisions often come back within 24 to 48 hours and funds can land within a couple of working days. Revenue-based options can be faster still where there is good card or bank data to assess.

Smaller unsecured facilities may not need security, but most lenders will ask company directors for a personal guarantee, especially for newer businesses or larger amounts. We will tell you whether a guarantee is likely before you apply.

Often, yes, particularly through revenue-based finance where recent card or bank turnover matters more than years of accounts. Terms will be tighter than for an established business, but a strong recent trading record opens doors that a thin filed history would not.

Lending to a limited company or LLP for business purposes is generally not regulated as consumer credit. Some products, like merchant cash advances, are not FCA regulated at all. CapExpand only introduces limited companies and LLPs on a non-regulated basis and is not an FCA-authorised firm.

No. We are not a lender. We introduce UK limited companies and LLPs to a panel of lenders and help you compare the options. The lender pays us a commission if a facility completes, never you.