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Business Cash Flow Finance

Working Capital Loans for UK Businesses

Your biggest expense today shouldn't have to wait for next month's revenue. Elect Capital provides £25k–£750k in working capital so you can pay staff, stock shelves, settle suppliers, and invest in growth without cash flow holding you back.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Common Use Cases
How UK Business Owners Use This Funding
Covering payroll during a growth phase
You've hired ahead of revenue. Working capital ensures your team gets paid on time while new contracts and clients ramp up.
Paying suppliers on time to keep discounts
Many suppliers offer early payment discounts of 2-5%. Working capital lets you take advantage of those terms, and the savings can outweigh the cost of funding.
Investing in inventory before peak season
Stock up before demand surges without draining your operating account. Working capital bridges the gap between investment and revenue.
Managing the gap between invoicing and payment
Your clients pay in 60-90 days, but your costs are due now. Working capital smooths out the cash conversion cycle so you're never waiting on money you've already earned.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form. No paperwork, no branch appointments, and zero hard credit pull. We will never affect your credit score during the initial application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
At a Glance
How Elect Capital Compares
We built our funding process around what UK business owners actually need. Here is how it measures up against traditional lending.
Traditional Lenders
Elect Capital
Approval speed
2 to 6 weeks
Same business day
Collateral required
Typically yes
Never
Hard credit check
Yes, during application
No hard credit pull
Documentation needed
Business plans, projections, years of accounts
Basic details and recent bank statements
Personal guarantee
Usually required
Not required
Funding range
Varies widely
£25k to £750k
Your point of contact
Call centres and rotating staff
Dedicated UK-based advisor
Eligibility
Who Can Apply?

You don't need perfect credit or property as collateral. If your business is generating consistent revenue and has been trading for at least a year, you're likely eligible.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
Industries
Industries We Work With
We fund established UK businesses across a wide range of sectors. If your business generates consistent monthly revenue and has been trading for at least 12 months, we want to hear from you.
FAQ
Common Questions
Working capital loans are specifically designed to fund day-to-day operations like payroll, suppliers, rent, and inventory. They're typically shorter-term and more flexible than general business loans, which are often used for larger investments like equipment or expansion.
Repayment terms are tailored to your business cash flow. We offer flexible schedules that align with your revenue cycle, whether that's weekly, fortnightly, or monthly.
Yes. Working capital from Elect can be used for any legitimate business purpose, including payroll, supplier invoices, marketing, rent, tax payments, equipment, or anything else your business needs to keep moving.
We understand that many UK businesses have variable revenue. Our assessment looks at your overall trading pattern and cash flow trends, not just a single month. Seasonal businesses are welcome to apply.
Eligible UK businesses can access between £25,000 and £750,000 in working capital. The amount is based on your business revenue and trading history, not the value of your assets.
Most established UK SMEs qualify. Your business must be UK-registered as a limited company or partnership, have been trading for at least 12 months, and generate a minimum of £25,000 in monthly revenue. We fund businesses across all major industries.
No. Elect Capital does not perform a hard credit check at the initial application stage. You can apply and receive an offer without any impact on your personal or business credit file.
Apply before 2pm and receive a same-day decision. Once you accept an offer, funds are typically transferred within hours. There is no waiting weeks for bank approval or security valuations.
No. Elect Capital's working capital loans are fully unsecured. No property, equipment, or personal assets are required as security, and no personal guarantee is needed.
A business overdraft is a revolving facility that your bank can reduce or withdraw at any time. A working capital loan gives you a fixed, committed amount with clear repayment terms. You know exactly what you have, what you owe, and when — with no risk of the facility being pulled at the worst possible moment.
Yes. VAT, corporation tax, PAYE, and other HMRC liabilities are all eligible uses. Avoiding penalties and interest on late tax payments is one of the most cost-effective uses of short-term working capital.
The Elect Difference
Why Business Owners Trust Elect
We're not a bank. We're not a broker. We're a dedicated funding platform built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution. No middleman, no delays.
Get Started
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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