The Business Finance Group — UK Business Finance Broker

Q: What is working capital?

Working capital is the difference between a business's current assets (cash, stock, debtors) and current liabilities (creditors, overdrafts, short-term debt). It represents the funds available to run day-to-day operations. Positive working capital means a business can meet its short-term obligations; negative working capital signals a potential cash flow problem.

Q: What is working capital finance?

Working capital finance is short-term funding used to cover a business's day-to-day operational costs rather than long-term assets. Common products include unsecured business loans, revolving credit facilities, and invoice finance. The Business Finance Group arranges working capital finance for UK businesses from £5,000 to £5,000,000 with decisions in 24 hours.

Q: What are examples of working capital finance?

The main working capital finance products are: unsecured business loans (a lump sum for immediate use), revolving credit facilities (draw and repay as needed), invoice finance (unlock cash from unpaid invoices), and overdraft facilities. The right product depends on the cause of the cash flow gap.

Q: How much working capital finance can a UK business access?

Through The Business Finance Group, UK businesses can access working capital finance from £5,000 to £5,000,000. Unsecured working capital loans are available up to £500,000 without collateral, with decisions typically within 24 hours and zero upfront fees.

The Business Finance Group

SME Lending

Business Loans for
Small Businesses

Business loans built for UK small businesses — sole traders, startups and established SMEs. Decisions in 24 hours.

Call 01604 201510

£5K–£5M

Loan range

24hrs

Decision time

50+

Lenders

0

Upfront fees

Fast approvals

Indicative decisions for small businesses within 24 hours.

No upfront fees

We only earn when your loan completes.

Flexible terms

3 months to 7 years to suit your cash flow.

All sizes considered

From sole traders to growing SMEs.

Why Choose Us

Why small businesses trust The Business Finance Group

Most high street banks say no to small businesses. We say yes — by finding the specialist lenders who understand that small businesses are the backbone of the UK economy.

We champion small businesses

Our panel includes lenders who specialise in SMEs, sole traders, and early-stage businesses that the big banks often overlook.

Whole-of-market search

We compare 50+ lenders simultaneously — not just two or three — giving your small business the best chance of the most competitive rate.

No upfront fees. Ever.

Small businesses shouldn't pay to apply. We charge zero upfront fees and earn a commission from the lender only when your loan successfully completes.

Plain English advice

We explain every option clearly — no jargon, no pressure. You decide what's right for your business.

Finance Types

Loan options for small businesses

Unsecured Business Loans

£5K–£500K

No collateral needed. Fast decisions. Ideal for short-term capital needs.

Secured Business Loans

£100K–£5M+

Borrow more at better rates using business or personal assets as security.

Government-Backed Loans

£5K–£2M

Growth Guarantee Scheme and similar. Lender-friendly terms for small businesses.

Working Capital Loans

£5K–£250K

Short-term cash flow solutions. Bridge gaps between invoices and outgoings.

Invoice Finance

Up to 90%

Release cash from unpaid invoices immediately. Ideal for B2B small businesses.

See all business loan options

Comparison

Us vs the high street bank

	The Business Finance Group	High Street Bank
Decision speed	24 hours	2–8 weeks
Lender options	50+	1 (themselves)
Upfront fees	None	Often required
Adverse credit	Specialist lenders available	Usually declined
Loan range	£5K–£5M+	Restricted
Sole traders accepted	Yes	Often no

FAQ

Business loans for small businesses — FAQs

Apply for a small business loan today

Decisions in 24 hours. Zero upfront fees. 50+ lenders searched for you.

01604 201510

Business Loans forSmall Businesses