Business Loan For Working Capital


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Clifton private finance

We specialise in sourcing business loans for working capital

Business loan solutions for working capital:
  • Flexible finance solutions
  • Business loans from £25,000 to £25 million
  • Merchant cash advance options (minimum turnover of £10,000+ card transactions per month)
  • Minimum trading history of 12 months
  • Large business loansworking capital loans, unsecured and secured business loans, e-commerce financing, revolving credit facilities, merchant cash advancesasset financeinvoice finance, management buyout finance, business acquisition finance
  • Business loans under £150,000 a 2-hour credit decision. Above £150,000 it takes a little longer!
  • Finance for residential and commercial including retail outlets, restaurants, cafes, guest houses and B&Bs, offices, warehouses, industrial units, factories, HMOs, nursing and care homesgyms, investment properties, development land and buy-to-let property (portfolios and limited companies welcome)
We pride ourselves on providing excellent service.

Call us on 0203 880 8890 to discuss your requirements


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Business Loans For Working Capital

Why Choose Us?

Our business loan service provides:

Types of Business Loan We Can Source

Solutions for:

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Growing Your Business

You will need working capital if you want to fund business growth, pay operational costs, or expand to new premises.

In many cases, a business won't have sufficient working capital without some form of financial assistance. Insufficient levels of working capital can put a business under pressure on a day-to-day basis.

Working capital can be defined as the cash available for business activity that isn't tied up in longer-term commitments. It is essential for keeping up with payments and making sure your business is not restricted when it comes to growth opportunities. 

On a balance sheet, working capital can be calculated as your business's current assets minus your current liabilities. 

If you need additional funding to bolster your cash flow, you may want to use business finance.

We can help you access the funding you need as quickly as possible. Our service provides cash advances and short-term and long-term finance solutions for small and medium-sized businesses that are registered in England, Wales or Scotland.

Benefits of a working capital loan

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Working Capital Loans, How to Power Your Business with Essential Funding

Types of Working Capital Loan

Some examples of different types of working capital loans are:

What are the Benefits of a Working Capital Loan?  

Working capital loans can provide essential funding to support daily operations, compensate employees, and address unexpected expenses. This additional financial flexibility can help businesses seize growth opportunities.  

Working capital loans have many advantages:  

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Working Capital Loans, How to Power Your Business with Essential Funding

Working Capital Loan Requirements 

There are a number of key things lenders consider when applying for a working capital loan. Knowing them before you apply could increase your chances of getting approved.   

Firstly, lenders will want to know your business’s financial health and cash flow stability.  

In order to assess these factors, lenders will want to get an idea of your:  

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What to Consider When Applying for a Working Capital Loan   

It's important to be aware that entering any loan is a financial commitment. If you are already experiencing financial issues, a working capital loan could be an additional financial burden. 

It's important to plan your cash flow and evaluate the best funding option for your specific needs. And if you're unsure, it's beneficial to consult a professional to get tailored financial advice.

What to be aware of:

It can be helpful to know what funds you'll need and how they can be used before you apply for a working capital loan.  

Keeping your net profits in mind when making these decisions can ensure that you don’t overreach your borrowing amount and can allow you to maintain a manageable budget. 

It's also important to know that lenders may all have different interest rates, repayment terms, and opportunities for flexibility. 

Case study: Our case study below details how we raised £300K working capital for the expansion of a pharmaceuticals company

Working capital loans, how to power your business with essential funding case study

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How to Calculate Your Working Capital Needs 

It can be important not to apply for a larger loan than you need for your business. The sweet spot is just enough funding to offer the financial freedom you need for your business without any unnecessary financial strain.  

But how can you know exactly how much working capital funding you need?  

Here’s how you can calculate what size working capital loan you need:  

Once you have a good idea of the amount of working capital you'll need, you can approach lenders with a clear insight into how much funding your business requires.

Are Working Capital Loans Secured or Unsecured?

Working capital loans can be secured or unsecured. A secured loan requires collateral, such as property, and usually offers lower interest rates and higher borrowing limits.  

Unsecured loans don't require collateral, but their interest rates can be higher. Some examples of unsecured working capital loans include lines of credit and invoice financing. 

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Working capital loans, how to power your business with essential funding

How Can Working Capital Loans Help Small Businesses?

Small businesses can face unique financial challenges, so the quick and flexible nature of working capital loans can benefit these business structures. 

Working Capital Loans can:  

Industry and business performance 

Different industries and business structures each present their unique obstacles. Your business's industry and profits will play a role in your loan application. Lenders pay attention to your business's performance trends to assess the risk associated with the loan.  

They may look at factors such as market demand, competition, and your business's track record within the industry.  

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Best Practices for Repaying Working Capital Loans

Managing your loan repayments efficiently is essential to make sure your business is operating smoothly.   

Consider the following best practices when repaying working capital loans:  

Case study: Read our case study below to find out how we secured a £150k business loan for an expanding gym

working capital loans, how to power your business with essential funding case study

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Getting the most out of your working capital loan 

working capital loans, how to power your business with essential funding

Assess your borrowing needs 

Before applying for a working capital loan, it can help to analyse your business's financial situation thoroughly. By doing this, you can identify your specific funding needs and determine the exact amount required. This could help you avoid borrowing more than necessary and can minimise interest costs.  

Working capital loans, how to power your business with essential funding

Understand the terms and conditions  

Any financial product will have its benefits and clauses to be aware of. It can be helpful to read the loan terms thoroughly and ensure you're aware of any fine print.

If you’re unsure what direction to take, it is always beneficial to get help from a financial professional who can advise on the best course of action for your business and help you understand the terms of your commitment.  

Pay attention to interest rates, repayment schedules, associated fees, and potential penalties. Make sure you are comfortable with the terms before signing the contract.  

Working capital loans, how to power your business with essential funding

Monitor cash flow and adjust repayment plan if needed 

It can be advisable to keep track of your cash flow and ensure you can meet your loan repayments comfortably. If your circumstances change and you anticipate difficulties in repayment, discuss potential adjustments with your lender.   

Renegotiating repayment terms can help you avoid default and maintain a positive relationship with your lender.  

Working capital loans, how to power your business with essential funding

Maintain open communication with your lender   

It's important to maintain a good working relationship with your lender. It can be helpful to communicate any significant changes or challenges your business may face promptly. Building trust and transparency can lead to more favourable terms, potential refinancing options, or access to additional funding in the future. 

Working capital loans, how to power your business with essential funding

Evaluate the impact on your business   

Continuously assess the effect of the working capital loan on your business's financial health. Monitoring key performance indicators such as cash flow, revenue growth, and profitability can help you decide how to approach future funding options.

Has the loan delivered the expected benefits? Depending on the answer, adjusting your strategies accordingly can benefit your business in the long term. Remember to assess your funding needs, compare loan options, use the funds strategically, and maintain open communication with your lender.   

With careful planning and responsible financial management, a working capital loan can fuel your business's success and propel it towards long-term profitability.

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Working Capital Loans, How to Power Your Business with Essential Funding

How do I apply for a Working Capital Loan?

At Clifton Private Finance, our business finance specialists have access to various finance solutions from across the market. We can help you choose the right finance solution for your business requirements.

Our team of advisers will help you to source the most competitive cash flow funding solution.

Our business loan service provides:

Next Steps

As a specialist property finance broker, Clifton Private Finance can provide a clear picture of the options available to you. We will assess your circumstances and arrange a finance solution tailored to your needs.

Our offices are based in Bristol and Cardiff.

We can help you access the funding you need as quickly as possible to avoid creating any financial issues.

Call us on 0203 880 8890 or complete our contact form above

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