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Working Capital Loans

MH_Working Capital Loans

Our Working Capital Loans are designed to help manage your cash flow, whether it's for expenses, buying inventory, marketing or anything else you need to run and grow your business

You could get an approved limit of up to £100,000 in minutes
There’s no obligation and you won’t pay any interest until you choose to access your funds and take out a loan. What’s more, we don’t charge a fee to make an early repayment.

You then choose to borrow from £500 up to your approved limit as often as once a day and the funds will be with you within 24 hours. You’ll repay each loan over 6 months. We may increase or reduce your approved limit from time to time as part of ongoing reviews of your account.

Interest charges range between 6%-26% over a 6 month loan term.

Paper-free and managed online
Just log on to your online account for 24/7 access to your funds.

How to apply
You can apply if you operate as a UK-based private limited company or limited liability partnership and your business has been trading for more than 3 months.


Representative example
£5,000 repayable over 6 months. If the rate of interest is 14%, this is equivalent to 28% per annum (fixed) or 61% APR representative. Total amount repayable is £5,700 (made up of initial loan of £5,000 plus £700 interest). Please note this is a 6 month loan product and the annual rate of interest is shown for comparison purposes only.


The actual interest rate offered will be dependent on an assessment of your business performance and circumstances. All lending is subject to status, availability and our lending criteria. The right to decline any application is reserved.

Learn more

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.