A working capital term loan is a lump sum loan designed to help businesses meet their short-term operational expenses, such as paying salaries, managing inventory, or supporting day-to-day running costs.

For example: A seasonal business might take out a working capital term loan to cover staff wages and stock purchase ahead of its busy period, repaying the amount in regular instalments over 1–5 years. This type of loan provides flexible support to manage the working capital cycle and sustain growth.

Benefits :

• Loan amount based on turnover, cash flows, and business vintage
• Helps manage seasonal cash flow gaps
• Can be secured or unsecured, depending on profile