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Fund Your Daily Operations

Working Capital Loans for UK Businesses

Working capital keeps your UK business running—payroll, HMRC, VAT, PAYE, suppliers, and the day-to-day costs of growth. When revenue and expenses don't align, a working capital facility bridges the gap. UK-registered businesses can access £25k–£750k with repayment schedules that can align to fortnightly or monthly cash flow. Access funds quickly and use them for any business expense.

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 Business Owners Use This Funding
Covering payroll during growth
Hiring new staff or expanding the team? Payroll is often the largest fixed cost. Working capital ensures you can pay your people on time while revenue catches up.
Paying suppliers on time
Supplier relationships depend on reliability. Working capital lets you meet payment terms, secure early-payment discounts, and maintain strong vendor relationships.
Investing in inventory
Stock up for a busy season, a new product launch, or a bulk order. Working capital funds inventory purchases so you never miss a sale.
Managing the invoicing gap
Clients pay in 30, 60, or 90 days—but your bills are due now. Working capital bridges the gap between delivering work and receiving payment.
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 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
£25,000 to £750,000
Your point of contact
Call centres and rotating staff
Dedicated funding 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 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 is specifically for day-to-day operations—payroll, suppliers, inventory, and operational expenses. A general business loan might be used for larger purchases like equipment or property. The structure and terms can be similar; the key difference is the intended use.
Repayment terms typically range from 3 to 18 months. We design schedules that align with your revenue cycle—whether that is weekly, fortnightly, or monthly—so repayments are manageable.
Yes. Working capital can be used for payroll, suppliers, inventory, rent, utilities, marketing, or any legitimate business expense. There are no restrictions on how you use the funds.
Seasonal businesses often face cash flow gaps during quiet periods. Working capital can bridge those gaps. We can structure repayments to be lighter during your low season and heavier when revenue picks up.
Funding amounts vary by region. Typical ranges start from around 25,000 and go up to 750,000 or more. Your eligibility depends on your business revenue and trading history.
Established businesses with consistent revenue are typically eligible. Requirements vary by region, but generally you need to have been trading for at least 12 months and demonstrate steady cash flow.
We assess your business holistically. Revenue, cash flow, and trading history carry significant weight. A lower personal credit score does not automatically disqualify you.
If you apply before our cutoff time, you can receive an offer the same day. Once you accept, funds are typically transferred within hours. Many businesses are funded within 24–48 hours.
No. Working capital funding from Elect Capital is typically unsecured. No property, equipment, or other assets are required as security.
Overdrafts are revolving facilities with variable rates and can be called in at any time. Working capital funding gives you a fixed amount, a clear repayment schedule, and predictable costs. It is better suited to planned operational spending.
Most established UK SMEs are eligible. You must be a UK-registered limited company or partnership, have been trading for at least 12 months, and generate a minimum of £25,000 in monthly revenue.
We provide funding from £25,000 to £750,000. The amount you qualify for depends on your business revenue and trading history.
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 businesses 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 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 provides lending solutions to United Kingdom SMEs, operating transparently in accordance with applicable laws and regulations.

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