Working capital that keeps your business moving.
Explore finance options for day-to-day cash flow, stock, suppliers and the opportunities that don’t wait for your next invoice to clear.
What is working capital finance?
Available through selected funding partners
Working capital is the money a business uses to run day to day: paying suppliers, buying stock, covering wages and bills while waiting for customers to pay. Working capital finance is a broad term for funding designed to support those needs.
Depending on your business and the funding provider, options can include short-term business loans, revolving credit facilities and revenue-linked funding. Each has its own structure, costs and eligibility criteria.
Tilva Capital does not lend directly. We take the time to understand your requirement and explore suitable options with relevant third-party funding partners.
Often used for
Bridging cash flow
Covering the gap between paying out and getting paid.
Stock and supplies
Buying ahead of demand or securing better supplier terms.
Payroll and overheads
Keeping commitments steady through uneven months.
Short-term opportunities
Acting on a contract or deal while it’s available.
How it typically works
- Amount
- Based on factors such as turnover, trading history, affordability and the provider’s criteria.
- Term
- Working capital products are often shorter term, though terms vary by provider and product.
- Repayments
- May be fixed, flexible or drawn and repaid as needed, depending on the product offered.
- Costs
- Interest, fees and charges are set by the funding provider and should be reviewed carefully before you proceed.
- Security
- Some products may require a personal guarantee or other security. This will be set out in the provider’s terms.
Product features, costs and terms are set by each funding provider and vary between providers and applicants.
Business finance without the usual friction.
Three steps. One enquiry. A clear view of what may be available to your business.
- 1
Tell us about your business
Share a few details about your company, funding requirement and recent trading.
- 2
We match your requirements
We review your circumstances and identify suitable options from relevant funding partners.
- 3
Review your options
If suitable funding is available, you can review the proposed terms before deciding whether to proceed.
Common questions
How much working capital can my business access?
Amounts depend on your business, turnover, trading history, affordability and the criteria of the relevant funding provider.
Is working capital finance the same as a business loan?
Not always. A short-term business loan is one form of working capital finance, but other structures, such as revolving facilities or revenue-linked funding, may also be available depending on the provider.
Will I need to provide bank statements?
Funding providers commonly ask for recent business bank statements and turnover information to assess an application. We will explain what may be needed.
Does an enquiry commit me to anything?
No. An enquiry helps us understand your requirement. You should review any proposed terms carefully before deciding whether to proceed.
Ready to explore your funding options?
Tell us what your business needs and Tilva Capital can help you explore suitable finance options.
Completing an enquiry does not guarantee funding. Finance is subject to status and the terms of the relevant funding provider.