Working capital funding provides structured facilities designed to improve short-term liquidity and support day-to-day operations. Whether managing seasonal fluctuations, delayed customer payments or rapid expansion, working capital funding ensures your business maintains financial flexibility.
At Boxx Finance, we structure working capital facilities around cash flow timing, not simply turnover.
What Is Working Capital Funding?
Working capital funding refers to short-to-medium term finance designed to support operational liquidity. It is commonly used to fund payroll, supplier payments, inventory purchases, VAT and tax liabilities, or seasonal trading gaps.
Types of Working Capital Facilities
- Revolving Credit: Flexible borrowing limits that can be drawn and repaid as required.
- Short-Term Business Loans: Fixed-term facilities to support defined requirements.
- Invoice Finance: Advance funding against issued invoices. (Internal link: Invoice Finance)
- Asset-Based Lending: Working capital secured against receivables, stock or assets.
When Is It Needed?
Businesses typically require support when revenue growth outpaces cash flow, payment terms are extended, or large contracts require upfront costs. Growth often increases cash pressure before profits stabilise; working capital funding ensures stability during these transition phases.
How We Structure It
We assess your cash flow cycle, debtor book quality, supplier terms, and gross margin. We then structure facilities that prioritises repayment sustainability and flexibility.
Working capital should stabilise your business, not strain it.
Frequently Asked Questions
How quickly can funding be arranged?
Timeframes vary by structure but can range from 5 days to several weeks depending on complexity.
Is security required?
Depends on the facility type. Some options are unsecured; others are asset-based.
Can it grow with turnover?
Yes. Some facilities increase as revenue increases.