Working Capital Loans
Keeping businesses moving when it matters most.
Working Capital Loans
Working capital loans are designed to support the day-to-day running of a business. They provide the cash flow needed to cover essentials such as stock, payroll or unexpected costs, helping operations continue smoothly and sustainably.
This type of short-term, flexible finance offers breathing space and stability, allowing business owners to focus on growth and opportunity rather than worrying about short-term cash flow gaps. It is about having the right support at the right time, so businesses can stay on track. Cash flow shortages, seasonal fluctuations, new projects or client opportunities – whatever the challenge, OSBF takes the time to understand each business’s circumstances and story. We work with clients and introducers to build tailored solutions that make sense in the real world.
CASE STUDY 1
Backing a wildlife park through storm recovery.
Our client owned a wildlife park that was badly treated by a high street bank, badly impacted by storm damage and faced the prospect of closing its doors. With a strong plan to rebuild and create new guest lodges, OSBF stepped in with a £1.2 million working capital loan. The funding covered wages and essential running costs during the rebuild, allowing the business to recover and grow.
CASE STUDY 2
Supporting a start-up to scale production.
A dog food manufacturer needed additional equipment to support growth but lacked formal company accounts as a new business. OSBF provided a £160,000 facility, helping the client expand production and take advantage of new opportunities.
Our Other Products
Bridging Finance
When speed and certainty matter, our bridging finance solution can provide fast, short-term funding. Designed to bridge gaps and support time-critical situations, it helps businesses move forward when longer-term funding isn’t immediately available.
Read more about Bridging FinanceRevolving Credit Facilities
Businesses need flexibility, not fixed constraints. Our Revolving Credit Facilities provide on-demand access to working capital, allowing you to draw down and repay funds as required, while only paying interest on what you actually use. A practical, flexible solution for managing cashflow with confidence.
Read more about Revolving Credit FacilitiesDevelopment & Refurbishment Lending
Growth, change and investment often require upfront funding before the returns are realised. Our development and refurbishment funding is designed to support businesses looking to improve, expand or unlock the potential of their property, whether that’s upgrading existing premises or delivering a new development.
Read more about Development & Refurbishment Lending
