Business working capital loans for UK companies
Fund day-to-day operations, cover seasonal gaps, and keep your business moving. Decisions in 24-72 hours.
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
The smarter way to find business finance
Flexible facilities
Revolving credit, short-term loans, and invoice finance to match your cash flow cycle.
Fast funding
Access working capital within 24-72 hours for most unsecured facilities.
No upfront fees
Success fee paid only on completion. No arrangement fees until funding completes.
250+ lenders
We compare every suitable option across our full lender panel for your business.
From application to funds in three steps
Tell us what you need
Complete our short form in under 2 minutes. Share your funding requirement, annual turnover, and finance purpose. No lengthy paperwork at this stage.
We match you with lenders
Our advisers instantly compare 250+ UK lenders and select the most suitable options for your business profile. Soft credit search only, no impact on your score.
Review offers and receive funds
Receive a clear summary of available offers with rates and terms. Accept the best option and we manage the paperwork. Funds typically released within 24-72 hours.
Get your personalised quote
in 60 seconds
Compare 250+ UK lenders with one short form. Soft search only, no impact on your credit score.
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
Working capital finance for UK businesses
Working capital finance covers the day-to-day funding needs of your business: stock purchases, supplier payments, payroll, and the gap between delivering work and receiving payment. Spark Finance compares revolving credit facilities, short-term loans, and invoice finance from 250+ UK lenders to find the most flexible and cost-effective working capital solution for your business.
Do you qualify?
UK registered business
3+ months trading
Bank statements required
All credit profiles considered
Eligibility criteria vary by lender and product. Spark Finance works with specialist lenders who consider all business types and credit profiles. Soft search only.