--- title: Growth and Working Capital – SME Capital description: SME business loans to support organic growth plans and operational working capital requirements of £0.5m to £5m between 3 and 7 years. image: https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Business%20Funding/sme-hero-businessfunding-growth-sm.jpg --- # Growth and Working Capital Bespoke funding solutions of £0.5m—£5m for established SMEs. ![](https://www.smecapital.com/hubfs/2A5pddew.png)   Looking for funding ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-directors.svg)  Regional Directors across the UK ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-capital.svg)  Funding the backbone of the UK economy ![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/key-time.svg)  Simple application process ## **Supporting strategic growth** Astute management teams are taking advantage of opportunities to grow market share and enhance sales and profitability. Whether investment in research and development (R&D), new product development or securing new income streams for the business, additional funding is likely to be required which cannot be met by operating cash flow alone.  SME Capital offers a flexible approach to funding the organic growth of businesses through a bespoke, cash flow-based loan solution from £0.5m to £5m. As a leading non-bank lender, we offer term loans (3 to 7 years) that are not dependent on specific balance sheet assets. In addition, the interest rates for our debt solutions are competitive and we are able to provide repayment structures to accommodate the needs of the business. ![business-funding-growth-lrg](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Deal%20type/business-funding-growth-lrg.png "business-funding-growth-lrg") Growth capital can be used for any legitimate business need: from funding the development of a new product, launching into an adjacent market, recruiting staff, responding to new contracts or moving to new premises to name a few.  Through a similar approach, we are able to provide working capital where and when it’s needed. Working capital is often consumed with the tactical needs of building stock levels, supporting new, large contracts, hiring staff or consolidating existing facilities.  #### **How we do it** We want to know about your profitable story so far, your management team and how you plan to achieve the strategic objectives in your business plan. One of our Regional Directors will work with the business and intermediaries to complete the application and guide you through our streamlined funding process. [![](https://www.smecapital.com/hubfs/SME%20Capital%20Images/sprite%20icons/more.svg) Get started ](https://www.smecapital.com/looking-for-funding)   “SME Capital delivered on their proposal, working hard to make funding available when other lenders couldn’t.” Andrew Beagley, MD Bowden Group, was able to grow his business and facilitate customer diversification, despite the COVID environment. ![more-wht](https://www.smecapital.com/hubfs/more-wht.svg)  [View case study](https://www.smecapital.com/case-studies/Growth-funding-for-facilities-management-expansion)   More funding solutions Growth and Working Capital [Acquisition and Shareholder Events](https://www.smecapital.com/business-funding/acquisitions-shareholder-events) [Refinance and Debt Consolidation](https://www.smecapital.com/business-funding/growth-working-capital) ![news-divider](https://www.smecapital.com/hubfs/SME%20Capital%20Images/New%20Images/Odds/news-divider.gif "news-divider") News & Insights Insights: February 2022 [What is a Management Buyout (MBO)?](https://insights.smecapital.com/what-is-a-management-buyout-mbo) What is a Management Buyout (MBO)? Management Buyout (MBO) is a process in which a company’s key management team acquires all or part of the company they manage. ![Buy & Build - SME Capital](https://www.smecapital.com/hs-fs/hubfs/smecapital-blog-title-sm%20-2.png?width=680&height=399&name=smecapital-blog-title-sm%20-2.png) Insights:  **[Factors to consider when planning a Buy and Build Strategy](https://insights.smecapital.com/factors-to-consider-when-planning-a-buy-and-build-strategy)** We look at 3 core factors to consider when planning a Buy and Build Strategy. ![PCA Law - SME Capital](https://www.smecapital.com/hs-fs/hubfs/smecapital-blog-title-sm-Aug-01-2022-08-58-18-30-AM.png?width=680&height=399&name=smecapital-blog-title-sm-Aug-01-2022-08-58-18-30-AM.png) Insights:  **[SME Capital funds acquisition of Youd Andrews Ltd by PCA Law Ltd](https://insights.smecapital.com/pca-law-ltd-acquisition-of-youd-andrews-ltd)** SME Capital was delighted to have recently supported [PCA Law Ltd](https://www.pcalaw.com/) with their acquisition of [Youd Andrews Ltd](https://youd-andrews.com/). Looking for funding? Start today. Whether you are an eligible business or an intermediary advisor, our Regional Directors are on hand to discuss your funding requirements and feasibility. [![](https://www.smecapital.com/hubfs/2A5pddew.png) Get Started ](https://www.smecapital.com/looking-for-funding)