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WORKING CAPITAL LOANS

Cover unexpected costs with a Working Capital Loan

Every growing business needs a financial safety net. A working capital loan gives you the support you need to manage unexpected costs and maintain consistent cash flow. 

  • Borrow from £1,000 to £20 million

  • Get quick access to money to fund last-minute projects

  • Cover day-to-day costs without dipping into your long-term savings

  • Get funding without giving up any ownership or equity in your business

 Apply now

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1 billion in funding to more than 17,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

What can you use a business Working Capital Loan for?

Covering day-to-day costs

Keep your business running. Use your working capital loan to pay your rent, utilities and payroll.

Investing in new inventory

Stock up on supplies and inventory. Meet high demand and secure bulk discounts.

Bridging seasonal gaps

Manage uneven cash flow and slow periods caused by seasonal highs and lows.

Handling unexpected expenses

Prepare for the unexpected, from equipment repairs to new growth opportunities.

Apply now

We've already helped businesses secure more than £1 billion

We’ve provided funding to more than 17,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

Are you eligible for a Working Capital Loan?

Who’s eligible for Tide’s Working Capital Loans?

To be eligible for any type of business loan or credit from Tide, you must:

  • Be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

What do you need to apply for a Working Capital Loan?

  • Basic information about your business, such as how old it is, and your annual revenue 

  • Information on directors and shareholders

  • Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

How to apply for a Working Capital Loan

As a finance broker with access to over 80 lenders, Tide will find a lender tailored to your business - and the process is simple.

  1. Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

  2. Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

  3. Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

  4. Get a decision and receive your money Depending on the type of finance you’ve applied for, credit could be available in around 24 hours.

Apply now

Access a range of business funding options from our trusted partners

What is a Working Capital Loan?

A working capital loan is a type of business loan that’s designed to cover the day-to-day operational expenses of a business - like salaries, rent, purchasing goods or marketing.

Unlike long-term business loans that are used for major investments - like property and large assets - working capital loans help with short-term cash flow, ensuring your business stays liquid without long-term commitments. Repayments typically come from your company’s ongoing earnings.

Working capital loans are a flexible financing option that helps manage cash flow, smooth out seasonal income changes, and bridge temporary liquidity gaps.

How does a Working Capital Loan work?

Apply online

Submit a quick and easy application form. We’ll ask for some basic information about you and your business.

Get approved

Our team will review your application. If you’re eligible for a working capital loan, you’ll be approved.

Receive money

If your application is approved, the money will be transferred directly into your business bank account.

Use the loan

Start using the money to cover operational expenses and other gaps in your working capital.

Repay the loan

You’ll repay the loan over a set period, following a fixed schedule so you know what to expect.

What are the benefits of Working Capital Loans?

Access and availability

Working capital loans can be set up simply as a credit limit on your business account. This means quick access to money within your agreed limit.

More flexibility

Draw on money and repay as more cash comes in. You have the freedom to choose how you use the capital and what you spend it on.

Strategic advantages

Use working capital loans to bridge gaps between procurement and sales. They help you take advantage of supplier discounts.

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Other types of financing to boost your working capital

Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

 Explore Invoice Finance

Merchant Cash Advance (MCA)

Access flexible funding that you’ll repay as a percentage of your daily card sales.

Explore MCA

Asset Finance

Pick up essential equipment or vehicles without upfront capital.

Explore Asset Finance

Business Credit Cards

Manage cash flow, earn rewards and build your business credit score.

Explore Credit Cards

The Growth Guarantee Scheme

Finding the right financial support is crucial for growth.

The Growth Guarantee Scheme launched in July 2024 as the successor to the Recovery Loan Scheme, designed to help small businesses access the finance they need to grow.

This government-backed scheme supports a range of Credit products, including business loans, asset finance, invoice finance and asset based lending.

Explore the scheme

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

 Track your credit score

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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