Working Capital Loans

Increase cashflow with a working capital loan

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

Benefits of Working Capital Loans

A working capital loan is similar to a traditional business loan, except its specifically there to increase working capital, and therefore your cashflow. It can be used for any day-to-day business expenses, such as bills, rent, and any other costs that hinder your cashflow. A facility such as this can be put in place, not to access long-term, expensive assets, but rather cover business operational costs on a short-term basis. Working capital loans are flexible, meaning it can be increased in times of reduced income. As this is a short term option, the common term time for this product is 12 months, although this can be specifically tailored to suit your company's wants, and needs.

There are plenty of benefits to a Working Capital Loan. As this is a relatively simple facility, it won’t take an extended period of time to process and have it put in place. Loans can be received within 24 hours of approval, meaning from application to exchange of funds can happen within 7 days. There is also no security in place for this type of product. A personal guarantee may be asked of you, although no assets will be taken as collateral, and your valuable business assets will be risk-free.

Eligibility

Turnover

Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.

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FAQs

How much will a Working Capital Loan cost?
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Working Capital Loans can range broadly in cost. The interest rate will be calculated based upon the strength of your business profile, although the typical interest rate for this product starts from around 4%.

Am I eligible for a Working Capital Loan?
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Eligibility varies largely from lender to lender, with some much more flexible, some much less. The basic criteria for applying for a Working Capital Loan is as follows:

£100k minimum turnover
UK Registered Business

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange a Working Capital Loan?
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Funds can be received within 24 hours of approval, meaning from application to exchange of funds can happen within 7 days.

How much money can I get through a Working Capital Loan?
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Typically, advance amounts can be anything between £2,500 and £300,000. The amount you can borrow will be calculated based upon your company's average monthly sales.

Why JD Capital Finance?
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We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

CBILS Loan

“Would thoroughly recommend using JD Capital, we had great service all the way through the process from Perry. We will definitely be back should we need any more finance for the business Useful Share”

Reviews from our clients

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

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