Harness your potential with a Working Capital Loan
A working capital loan allows you to continue your daily operations should you encounter untimely cash flow gaps, seasonal lulls or need to finance new equipment.
to sustain business growth
A working capital loan can take many forms including finance to cover employee wages, a loan to cover the purchase inventory or invoice factoring so you collect money sooner.
You might require trade finance to cover the cost of products until they are sold. With Working Capital finance your business can fund gaps in business cash flow and inventory, to support operational activities.
Businesses should focus on maintaining enough operating capital to sustain growth and that’s where Spinach can help you.
Fuel growth through
A dilemma many businesses face is that if they were paid the money they are owed that might overcome short-term cashflow issues or they could expand sooner.
Invoice factoring is a service where a business receives access to funds owed to them before it is paid by their customers.
The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash.
It’s a positive method to turn unpaid invoices into cash – and with those funds, you can keep up with operational expenses.
Rates as low as
Asset Finance up to
Unsecured Lending up to
Here's how it works
Apply online in just a few minutes or call us direct on 0800 774 622
Our system evaluates your business and typically provides a decision within a day
Sign your contract and receive funds in as fast as 24 hours