When cash flow is a little tight, Phoenix Commercial Finance will help you access flexible working capital finance to keep your business moving.
Whether you’re paying suppliers, covering payroll, or managing seasonal lulls, we can provide short-term loans and cashflow finance that supports your day-to-day operations without the long-term commitment.
We work with limited companies, sole traders, and SMEs across the UK to unlock fast, practical business working capital loans that keep you in control of your cash flow and growth.
If you’d like to speak to one of our experts about cashflow or working capital funding, send us a message on WhatsApp or fill in our no-obligation enquiry form – we’re happy to help.
Working capital finance provides businesses with short-term capital to bridge gaps between outgoing costs and incoming revenue. It’s used to smooth out cashflows, maintain day-to-day operations, and help your business stay agile during growth periods or unexpected challenges.
Unlike long-term loans or overdrafts, working capital loans is designed for flexibility and gives you quick access to funds that can be used for payroll, stock purchases, marketing campaigns, supplier payments, or any other operational expense.
A strong cash flow business depends on positive working capital, ensuring you have the liquidity to keep things running smoothly, even when your operating costs rise.
Funding can often be arranged within 24–72 hours, giving you breathing space when timing is critical
Borrow over a few months, not years, ideal for temporary gaps or seasonal slowdowns
Keep up with payroll, supplier payments, and regular expenses even when cashflow is uneven
Use funds to take advantage of opportunities, launch new projects, or invest in marketing and stock
Here at Phoenix Commercial Finance, we know that strong operating working capital and healthy cash flow are essential for growth.
We work with a trusted panel of lenders to arrange short-term business loans, business capital loans, and revolving cash flow finance facilities that match your business model. From capital working capital loans to flexible cash flow company funding, our team ensures everything runs smoothly from application to drawdown.
Our role is simple: to help you secure fast, flexible funding that matches your cash cycle and supports your business growth plans.
Our simple online process makes it easy to access the working capital your business needs. Whether you need a short-term loan, cash flow loan, or ongoing business working capital funding, our team will find the most suitable option for your circumstances.
Apply for a Cashflow & Working Capital Loan or talk to one of our experts by contacting us on WhatsApp or completing our no obligation quick enquiry form.
They’re closely related. Cashflow finance focuses on short-term borrowing to cover gaps in daily operations, while working capital finance supports broader business liquidity, ensuring your company maintains positive cash flow throughout the year.
Typical business working capital loans can be approved and released within 24–72 hours, depending on your business profile and documentation.
Business working capital loans typically range from £5,000 to £500,000, depending on your business turnover and credit profile.
Almost anything that supports business operations - that includes payroll, supplier payments, rent, marketing, or stock purchases -any use that maintains operating working capital and cashflow stability.
Not always. Many working capital loans are unsecured, though some cash flow companies or lenders may require a personal guarantee.
Yes, some lenders will offer working capital for small business loans if there’s consistent revenue or card transaction history.
It’s considered, but lenders also focus heavily on business cash flow and performance history.
Repayment terms for short-term loans typically range from 3 to 24 months, depending on the product.
Absolutely. Many of our clients use cashflow finance to manage positive cash flow, ensuring smooth operations year-round.