Working Capital Finance

Working Capital Finance | Business Cash Flow Solutions Specialists

We help businesses access the right working capital facility, whether that is a revolving credit line, an overdraft alternative, or a term loan, without wasting time approaching the wrong lenders.

Explore your funding options

Overview

What is working capital finance?

Working capital finance covers the range of funding solutions designed to support a business's day-to-day cash flow requirements: paying suppliers, funding stock, meeting payroll, and bridging the gap between expenditure and income. It is distinct from capital investment finance in that it funds the operating cycle of the business rather than long-term assets.

The main working capital finance products include revolving credit facilities, which allow a business to draw and repay funds flexibly up to an agreed limit; overdraft alternatives, which provide similar flexibility outside the constraints of a bank overdraft; unsecured and secured term loans; and trade finance for businesses that purchase stock or materials from suppliers.

The right product depends on the nature of your cash flow cycle, the seasonality of your business, your existing banking relationships, and whether you have assets or receivables that can support a secured facility.

24hrs

some lenders can fund within one business day

50+

working capital lenders on our panel

Free

initial consultation

How we help

Why use Pinnacle as your broker?

Many businesses default to their existing bank when they need working capital. Bank lending has become increasingly restrictive since 2008, and many businesses that would have received an overdraft or revolving credit facility from their bank a decade ago now find that option unavailable or inadequate.

The alternative finance market has developed substantially in response to this. There are now numerous lenders offering competitive working capital products outside the traditional banking sector, many of them able to move more quickly and with greater flexibility than high street banks.

Pinnacle compares the full range of working capital lenders, matching your business to the product and provider that fits your cash flow profile, sector, and financial position. We present options clearly and without bias, and manage the application process on your behalf.

Revolving credit

Flexible credit lines that allow you to draw and repay as your cash flow requires, paying interest only on what you use.

Quick access

Some working capital lenders can provide a credit decision within hours and fund within days for the right business.

Beyond your bank

We compare the full market, including alternative lenders who can often provide better terms than traditional banks for working capital.

Unsecured options

Not all working capital facilities require security. We identify lenders who will lend on the strength of your trading alone.

Seasonal businesses

If your cash flow is seasonal, we find lenders who understand that cycle and structure facilities to match it.

No cost to you

Our advice and market search are provided free of charge. We are paid by the lender on completion of a successful facility.

Common questions

Frequently asked questions

What is the difference between a revolving credit facility and a business overdraft?

A revolving credit facility works similarly to an overdraft in that you can draw and repay flexibly up to an agreed limit. The key differences are that revolving credit facilities are typically provided by specialist lenders rather than banks, they may not require you to bank with the lender, and they are often more flexible in their terms and security requirements. For many businesses, a revolving credit facility is a more accessible and better-priced alternative to a bank overdraft.

Can I get working capital finance without security?

Yes. Unsecured working capital loans and revolving credit facilities are available to businesses with a strong trading record. Lenders will assess your revenue, profitability, and cash flow rather than relying on physical security. The amount available and the rate will reflect the absence of security, but for many businesses an unsecured facility is the most practical option.

How much working capital can I access?

The amount available depends on your business's turnover, profitability, and the nature of your cash flow cycle. Lenders typically size working capital facilities at a percentage of monthly or annual revenue. We will give you a realistic indication of what is available at your first conversation.

How quickly can working capital finance be arranged?

For unsecured facilities backed by revenue data, some lenders can make a credit decision within 24 hours and fund within two to three working days. More complex or larger facilities take longer. Pinnacle identifies lenders who can work to your required timetable.

Can working capital finance sit alongside my existing bank facilities?

In most cases, yes. Many businesses use specialist working capital lenders alongside their existing banking relationship, using the specialist facility for additional flexibility that their bank is unable to provide. We advise on how to structure arrangements across multiple lenders so that your overall position is optimised.

More services

One conversation. The right funding.

We search the market, compare lenders, and secure the right deal on your behalf. No obligation, no cost to you.

Book your free consultation