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

Home/Fast Business Loans

Decisions in 24 hours

Fast Business Loans UK £5K–£5M, Decisions in 24 Hours

Fast business loans from £5,000 to £5,000,000 with same-day indicative decisions from 50+ UK lenders.

Won't affect your credit score

£5K–£5M

Loan range

24hrs

Decision time

50+

Lenders

£350M+

Funded to date

Fast decisions

Indicative terms within hours, funds within 24–48 hours.

No credit impact

Soft search only — your credit score is never affected.

Flexible terms

Repayment periods from 3 months to 7 years.

Whole of market

We compare 50+ lenders to find your best rate.

Fast Business Loans

Three ways to fund your business

Unsecured Business Loans

No asset required as security. Ideal for businesses with strong trading history looking for fast access to capital without putting assets at risk.

Range: £5K – £500KSpeed: From 24 hours

Secured Business Loans

Use a business or personal asset as security to access higher loan amounts or better rates. Suitable for larger funding requirements.

Range: £50K – £5MSpeed: From 2–5 days

Revolving Credit Facilities

Draw down, repay, and draw again as needed. A flexible facility that gives you access to funds whenever you need them.

Range: £10K – £1MSpeed: Ongoing access

Eligibility

Who qualifies?

Most UK businesses trading for 6+ months with a clear funding need will qualify for a fast business loan. We keep requirements minimal so you can focus on your business, and we work with sole traders, partnerships, and limited companies across every industry sector.

Our panel of 50+ lenders includes high-street banks, challenger banks, and specialist alternative lenders — meaning we can find fast business loan options for businesses with good, fair, or even adverse credit history. What matters most is a credible business operation and a clear plan for using the funds.

Trading 6+ months

UK registered business

Min. £5K monthly turnover

Director/owner application

Any industry sector

Good or adverse credit considered

Tax Benefit

Interest on business loans is typically fully tax deductible, reducing your effective cost of borrowing — making the real cost even lower than the headline rate suggests.

Frequently Asked Questions

Best For

Working capital & cash flow
Business expansion projects
Stock or inventory purchase
Hiring & recruitment costs
Opportunity funding