Working capital

Keep cash flowing while you wait to get paid

Even profitable businesses hit a wall when invoices stack up and bills are due. Working capital finance bridges the gap between doing the work and banking the money.

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Signs you could use working capital finance

Customers pay on 30–90 day terms but wages are due monthly
Seasonal peaks mean buying stock long before the revenue lands
A big new contract needs upfront spend to deliver
Tax bills and supplier payments keep colliding

Flexible options on the market

Revolving credit facilities — draw down and repay as needed
Invoice finance — release cash tied up in unpaid invoices
Merchant cash advances — repay as a share of card takings
Short-term working capital loans

One application. The whole market.

Your Found Funding profile is matched against Swoop's network of high street banks, alternative lenders and grant providers — over 1,000 funding sources in one search.

1,000+funding providers on the Swoop network

£1.5bn+funding completed through Swoop

300,000+businesses helped worldwide

Good to know

Common questions

Is this just an overdraft?

It's broader. Bank overdrafts are harder to get than they used to be — modern working capital facilities are often faster to arrange and scale with your sales.

Will it lock me in?

Most facilities are flexible: you only pay for what you draw down, and many have no early repayment penalties. We'll flag any that do.

What does it cost?

Pricing depends on the product, how long you need the money and your trading profile. Comparing the whole market is how you avoid overpaying.

See your working capital options

It takes a few minutes to see what your business is eligible for. Free, impartial, no pressure.

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