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UKCapitalFund

Working capital

Working capital finance

Short-term funding for the everyday gap between money going out and money coming in — suppliers, stock, wages and seasonal peaks.

Configured amounts
£2,000 – £150,000
Terms
6 – 24 months
First 6 months
Interest-free, capital only

No interest is charged for the first six months — you repay capital only. Interest applies to the remaining balance from month seven, spread across the rest of the term. Every request is reviewed by a funding specialist.

Who it suits

Is this the right fit for your business?

Funding works best when the structure matches the reason for borrowing. These are the situations this option is usually suited to.

  • Businesses with long customer payment terms
  • Seasonal trading patterns with predictable quiet periods
  • Companies that need to buy stock before they can sell it
  • Businesses taking on a contract that needs funding upfront

Common uses

What businesses use it for

  • Paying suppliers while waiting on customer invoices
  • Pre-season stock and materials
  • Payroll during a ramp-up period
  • VAT and other periodic bills
  • Short-term gaps caused by a delayed payment

How it works

From enquiry to completion

  1. 1

    Short by design

    Working capital funding is intended to be repaid out of the trading cycle it supports, not carried for years.

  2. 2

    Sized to the gap

    The right amount is the size of the gap plus sensible headroom — not the largest figure available to you.

  3. 3

    Repaid from the cycle

    Repayments are structured to line up with when the money comes back into the business.

  4. 4

    Reviewed as you grow

    As trading changes, the facility can be revisited rather than left to sit at a size that no longer fits.

What we ask for

Have these to hand and the process moves faster

We will always tell you exactly what is needed before you upload anything.

  • Recent business bank statements
  • Management accounts or your most recent filed accounts
  • Details of existing finance commitments
  • Company details and identification for directors

Illustrative figures

See what repayments could look like

A calculation based on a rate assumption held in site configuration. It is not a quotation and not a credit offer.

£2,000 – £500,000

£2k£500k

Months 1–6 · interest-free

£3,125.00

Then £3,453.80 a month for the remaining 18 months

Total repayable£80,918Cost of finance£5,918

No interest for the first 6 months — you repay capital only.

Illustrative estimate. Figures are worked out from a configured assumption that has not been verified and are not a quote or an offer of finance. Actual rates, terms and availability depend on assessment of your business.

See my funding options

Business finance is a commitment. Repayments must be met from business income, and missed payments can affect your business. Consider affordability before applying.

Things to weigh up

What to consider before you borrow

Business finance is a commitment. These are the points worth thinking through honestly before you apply.

  1. It is not a fix for a structural problem

    If the gap never closes, more funding makes it worse. Working capital finance solves timing problems, not persistent losses.

  2. Higher monthly cost

    Short terms concentrate repayments, so the monthly figure is higher than a long-term loan for the same amount.

  3. Watch for stacking

    Taking multiple short-term facilities at once is a common route into trouble. Tell us about existing commitments so the picture is accurate.

  4. Plan the exit

    Be clear about which receipts repay the facility before you draw it.

FAQs

Questions about this option

Other options

Compare other structures

Ready to move your business forward?

Start with an eligibility check, or talk it through with a funding specialist first. Either way you will get a straight answer about what may be possible.

£500 onboarding cashback when you complete onboarding

See my funding optionsTalk to a specialist

UKCapitalFund - Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.

UKCapitalFund - Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.

Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.

UKCapitalFund - Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.

UKCapitalFund - Funding Circle Ltd also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited. The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.