Working capital is the oxygen of your business. Whether you need to cover payroll, build stock, or bridge a seasonal gap, we arrange fast, flexible capital so you never miss a beat.
£25K-£2M · 3-18 Months · soft search only
Working capital finance is the most versatile form of business funding, it provides general-purpose cash that you can deploy wherever your business needs it most. Unlike equipment finance or commercial mortgages that are tied to specific assets, working capital gives you the freedom to cover payroll, pay suppliers early to capture discounts, invest in marketing, or simply maintain a healthy cash buffer while you wait for invoices to be paid.
At Granton Hale Capital, we have handled thousands of funding requests from 2,400+ businesses, and working capital is consistently our most requested product. The reason is simple: most businesses do not need a complex financial instrument, they need cash, fast, on terms that make sense. We assess your revenue trends, bank deposits, and business trajectory rather than fixating on personal credit scores. That means businesses with imperfect credit, seasonal revenue patterns, or short trading histories can still qualify.
Our average decision time is 6 hours, with many approvals coming in under 3. Funds typically land in your account within one to two working days. Repayment is structured around your actual cash flow, daily, weekly, or monthly, so the capital works with your business cycle, not against it.
Amount £25K-£2M · Term 3-18 Months
Deploy capital wherever your business needs it, payroll, stock, marketing, repairs, rent, or opportunity investments. No lender approval required for how you spend it.
Our average decision time is 6 hours. Many working capital applications are approved in under 3 hours, with funds arriving within one to two working days of signing.
We underwrite based on your monthly revenue and bank deposits, not just your credit score. Businesses with £15K+ monthly revenue regularly qualify, even with an imperfect credit history.
Choose daily, weekly, or monthly repayment. Payments are structured around your cash-flow cycle so capital enhances your operations rather than straining them.
Your outgoings hit on predictable schedules, payroll at month end, rent on the first, supplier invoices on 30-day terms. But your revenue does not always cooperate. A large client pays late, a seasonal dip arrives, or a big project ties up cash for weeks. Working capital bridges these timing gaps so you never scramble to cover obligations.
A supplier offers a 10% discount for bulk ordering. A competitor closes and their customers are up for grabs. A prime retail unit becomes available. These opportunities have expiry dates, waiting 6 weeks for a bank to review your application means watching them pass by.
Traditional banks require extensive documentation, personal guarantees, security, and 4-8 weeks of underwriting. For a business that needs £100K to cover next week's payroll or next month's stock order, that timeline is a non-starter.
Landscapers, retailers, tourism operators, and construction firms all face months where revenue drops while fixed costs remain. Working capital provides a cushion so you can retain staff, maintain equipment, and be ready when demand returns.
A landscaping company with 12 employees needs £85K to cover payroll and vehicle costs during a slow winter quarter while keeping the team together for spring contracts already signed.
An e-commerce brand needs £200K to place stock orders with overseas manufacturers 90 days before their Christmas sales peak, when 60% of annual revenue is generated.
A DTC skincare brand is launching a new product line and needs £150K for influencer partnerships, paid social campaigns, and sampling programmes to drive first-month sales.
A restaurant group with three sites faces an unexpected failure of the heating and ventilation system at their flagship location. They need £50K immediately to replace it before a fully booked weekend.
A wholesale distributor can save £40K by paying a supplier upfront rather than on 60-day terms. They draw £250K in working capital, pay the supplier, and net £40K in savings against £18K in finance costs.
Anything your business needs. Unlike equipment or property finance that restrict usage, working capital is completely flexible. Common uses include payroll, stock, rent, marketing, repairs, hiring, and capturing time-sensitive business opportunities. There is no lender approval needed for how you deploy the funds.
Most working capital applications receive a decision within 6 hours of submitting a complete application with 3 months of bank statements. Once approved and signed, funds typically arrive within one to two working days. For urgent needs, we can sometimes expedite to same-day funding.
No. We perform a soft search during the initial eligibility review, which does not affect your credit score. A hard search only occurs if you choose to accept an offer and proceed to final underwriting, and we always notify you before that step.
Yes. We assess the whole picture, your monthly revenue, bank deposits, time trading, and business trajectory. Many of our working capital clients have had past defaults or county court judgments. Strong revenue and consistent deposits can offset credit challenges.
You choose the schedule that fits your cash flow: daily collections by Direct Debit (most common for businesses with daily sales), weekly payments, or monthly payments. The repayment amount is fixed and predictable so you can budget accurately. Some programmes also offer revenue-based repayment where the amount adjusts with your sales volume.
Absolutely. Many of our clients are repeat borrowers. After you have repaid 50-60% of your existing balance with a clean payment history, you can apply for a renewal, often at improved terms. Building a track record with us typically unlocks higher amounts and better rates.
30-second application. No hard search. Decisions in as little as 3 hours.