Working capital loans v2
Paying suppliers and staff can come before getting paid by your customers. A working capital loan could help your business cover those upfront operating costs while you deliver orders or start new contracts. Business loans from £75,000 to £500,000, with terms from six months to five years. Subject to credit assessment. A personal guarantee is required.
When business costs come before customer payments
Deliver a larger order
An increase in orders can mean paying for more materials, production time and deliveries before the additional sales turn into cash.
Get a new contract underway
Mobilising a contract may involve supplier deposits, staff costs and initial project expenses before the first agreed customer payment
Support a busier operating cycle
As trading volumes grow, more cash can be tied up between paying suppliers, completing work and collecting payments
Working capital funding with fixed repayments
Loans up to £350,000 (including fees) are unsecured and require a personal guaratee. Larger loans require additional security. Your offer will set out the rate, fees and repayment terms.
Start loan applicationFind the right option for working capital loans
Whether you're looking to spread repayments over a short period or need a longer-term solution, we have a loan to suit your business.
Funding growth at a play equipment manufacturer
Is your business eligible?
Before applying, make sure you meet all four criteria.
Questions about our business loans?
Everything you need to know about getting a business loan with LendingCrowd.
What documents will I need to apply for a LendingCrowd loan?
To complete your loan application, you’ll need to supply:
- Information about your business, how long it has been trading and the sector in which it operates
- Two years’ filed accounts (the last no later than 15 months old)
- Latest three months’ bank statements
- Details of current borrowing
- Purpose of funds – a simple description of what your business will use the loan for
How much can I borrow with LendingCrowd?
Your business can apply to borrow between £75,000 and £500,000. Loan terms range from six months to five years.
Subject to credit assessment, we can offer unsecured loans of up to £350,000 (including fees) supported by a personal guarantee.
For loans above £350,000, a charge or asset security will be required in addition to a personal guarantee.
What can I use my business loan for?
You could use your LendingCrowd loan for a wide variety of reasons, for example to purchase stock, manage cashflow, fit out new premises, funding a management buy-out or acquisition, or to refinance existing debt, making your outgoings more manageable.
Can I repay my loan early?
Yes, you can. LendingCrowd does not charge any fees for early repayment. You can also make overpayments of at least £5,000. LendingCrowd may request additional financial information to establish the source of funds used to make overpayments or early settlement of loans.
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It’s time to think outside the bank
Apply for your loan today or speak to one of our funding specialists.