Skip to content
GrowthBusiness Finance
Finance
Industries
Check what you could raiseMake an enquiry
Client loginPartner login
Working capital finance

Working capital finance broker

Growth Business Finance arranges working capital finance from £200k to £100m for UK businesses: revolving credit facilities, invoice finance, asset based lending, trade finance and stock finance, compared across 650+ lenders so the facility matches how your cash actually moves.

Check what you could raise Make an enquiry

No credit search and no upfront fee.

Reviewed by Tom Renshaw, Managing Director. Updated .

facility size
£200k to £100mfacility size
of eligible invoices
Up to 90%of eligible invoices
of supplier cost on trade finance
Up to 100%of supplier cost on trade finance
over Bank Rate on an RCF
From 2.5%over Bank Rate on an RCF

What is working capital finance?

Working capital finance funds the gap between paying out, for staff, stock and suppliers, and getting paid by customers. Unlike a term loan for a one-off project, it is usually a revolving facility that rises and falls with the business, so you borrow when cash is tied up and repay when it comes back.

The right facility depends on where your cash is tied up. Businesses with a large debtor book usually do best with invoice finance or asset based lending. Businesses with stock look at stock or trade finance. Profitable businesses with predictable cash flow often use a revolving credit facility.

The main types

Revolving credit facilities: a committed line to draw and repay, priced from 2.5% over Bank Rate on drawn funds. See revolving credit facilities.

Invoice finance: up to 90% of eligible invoices, 95% to 100% in some sectors, within 24 hours of invoicing. See invoice finance.

Asset based lending: one revolving facility from £2m across receivables, stock, plant and property. See asset based lending.

Trade finance: up to 100% of supplier cost on terms of up to 180 days. See trade finance.

Stock finance: funding against inventory, or sized on sales for online brands. See stock finance.

Talk it through

Tell us what you need and we will search 650+ lenders for indicative terms, with no upfront fee.

Check what you could raiseMake an enquiry
Working capital finance

How we find the right facility

  1. 1

    Map your cash cycle

    How long stock is held, how long customers take to pay and when the peaks fall.

  2. 2

    Find where cash is tied up

    Debtors, stock, supplier deposits or seasonal costs.

  3. 3

    Match the facility

    One facility, or a combination such as ABL with trade finance alongside.

  4. 4

    Run a competitive process

    Across banks, specialist lenders and asset based lenders.

  5. 5

    Put it live

    Onboarding, audits and the first drawdown, managed for you.

Who it suits

What lenders look at

Debtor book
Who your customers are, how quickly they pay and any concentration.
Stock
What you hold, how quickly it sells and what it would fetch.
Margins and cash flow
Enough margin to carry the facility and a clear repayment cycle.
Reporting
Up-to-date management accounts, aged debtor and stock reports.
Existing facilities
What is in place now and what security other lenders hold.
Seasonality
When the peaks fall and how much headroom the business needs.
At a glance

Typical terms

Typical terms
Facility size£200k to £100m
Revolving creditFrom 2.5% over Bank Rate on drawn funds, typically 3 to 5 year terms
Invoice financeUp to 90% of eligible invoices, 95% to 100% in some sectors
Asset based lending£2m to £100m, from 2% over Bank Rate on the receivables line
Trade financeUp to 100% of supplier cost, up to 180 days
Stock financeUp to 90% of stock NOLV within ABL, or up to 4x monthly revenue for online brands

All figures are "up to" and "from", and subject to status and lender approval.

Our process

How GBF runs the process

We start with your accounts, aged debtors, stock reports and cash flow forecast, and work out where cash is tied up and which facility, or combination, releases the most at the lowest cost. We prepare the credit paper, run a competitive process across 650+ lenders, compare advance rates, pricing, fees and reporting side by side, and manage the facility through to the first drawdown.

  • One senior adviser from first call to completion
  • A credit paper lenders take seriously
  • Indicative terms compared side by side
  • £0 upfront fee
Related facilities

Related facilities we arrange

Revolving credit facilitiesA committed line to draw and repayInvoice financeRelease up to 90% of unpaid invoicesAsset based lendingOne facility across receivables, stock, plant and propertyTrade financePay suppliers upfront and repay when the goods sellStock financeFunding against inventory or sales
FAQs

Working capital finance: common questions

What is the best type of working capital finance?

It depends on where your cash is tied up. A large debtor book suits invoice finance or asset based lending, stock suits stock or trade finance, and predictable cash flow suits a revolving credit facility.

How much working capital finance can my business get?

Growth Business Finance arranges working capital facilities from £200k to £100m. Invoice finance can release up to 90% of eligible invoices, and asset based lending adds stock, plant and property.

How quickly can a working capital facility be in place?

Invoice finance and revolving credit can often be live within a few weeks. Larger asset based lending facilities take longer because of asset audits and valuations.

Is working capital finance better than an overdraft?

Usually, for a growing business. Invoice finance and asset based lending grow with sales, and a revolving credit facility is committed for its term, while an overdraft can be cut back on demand.

Can I combine different working capital facilities?

Yes. A common structure is asset based lending across debtors and stock with trade finance alongside to pay suppliers.

Is GBF a lender?

No. Growth Business Finance is a commercial finance broker and debt adviser. Finance is subject to status and lender approval.

Talk to us about working capital finance

Check what you could raise in two minutes or make an enquiry. No upfront fee and no credit search to get started.

Get startedMake an enquiry