Working Capital Finance 

Struggling with cash flow gaps that threaten your operations or growth plans? 
Working capital finance provides the liquidity your business needs to manage day-to-day operations, navigate seasonality, and seize short-term opportunities — without compromising long-term stability. 

Maintaining adequate working capital is critical for continuity. Whether you're covering payroll, funding inventory, or bridging receivables and payables, having access to flexible capital can be the difference between reacting and thriving.

For mid-market businesses, especially in fast-moving or seasonal sectors, delayed receivables or unforeseen expenses can severely disrupt operations. Traditional financing is often too slow or rigid to meet dynamic working capital needs.

The key is to secure funding aligned with your cash flow cycles — offering the flexibility to adapt quickly, invest when needed, and maintain business momentum without resorting to equity dilution. 

 

You need Working Capital if...

  • You regularly face cash flow gaps due to receivables timing or seasonal fluctuations
  • You require flexible capital to cover operating costs or manage supplier payments
  • Preserving equity and maintaining financial agility is essential
  • You need fast access to capital to respond to short-term pressures or opportunities
  • You want a solution tailored to your business model and cash flow patterns

Talk to an Expert

Understanding the Use of Funds

Working capital finance supports short- to medium-term operational cash flow needs. Facilities may include revolving credit lines, invoice finance, supply chain finance, or term loans — structured around your specific working capital dynamics.

Lenders assess your cash flow profile, operating model, and industry to offer tailored solutions that balance liquidity, cost, and risk. The right structure supports continuity and resilience, enabling you to focus on growth, not cash gaps.

 

Why Work With Fuse Capital? 

Working capital funding must be fast, flexible, and appropriately structured. The challenge lies in navigating a fragmented lender landscape and selecting partners who understand your business and can move at speed.

Poor structuring can lead to inflexible covenants, high refinancing risk, or mismatched facility terms. Optimal results require clear cash flow modelling, lender fit analysis, and experienced negotiation.

Fuse Capital advises mid-market, sponsor-backed businesses on structuring effective working capital solutions. We leverage our global lender network across the UK, Europe, and APAC to identify the most suitable capital providers — those who understand your sector, scale, and operational model.

Our team brings deep structuring expertise and a transparent, outcome-focused approach — ensuring fast, flexible funding that supports both day-to-day needs and long-term success.

Why Choose Us?

As your trusted debt advisory partner, we provide the expertise and support you need to navigate the complexities of funding. Here's what sets us apart:

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Focused Exclusively on Debt

Our exclusive focus on debt advisory means we bring deep expertise to help VC, PE, and PLC-backed businesses secure the right capital efficiently.

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True Partnership, Not Just Introductions

We work closely with you to understand your business, develop the right funding strategy, negotiate terms, and support you through every stage of the process.

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Built on Real-World Experience

Having built and scaled businesses ourselves, our advice is rooted in practical experience and a deep understanding of the challenges you face.

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Results That Speak for Themselves

Trusted by over 550+ businesses across the UK, Europe and APAC, we deliver strategic insight and tailored funding solutions that drive sustainable, long-term growth.

FUNDING CONNECTIONS THAT DRIVE GROWTH

Our Portfolio Experience

Our extensive network of lenders spans across the UK, EU, and beyond, ensuring we connect you with the right funding partner for your needs. From venture debt providers to asset managers, we have the relationships to deliver results.

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& many more

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Let's Talk

What Happens Next?

At Fuse Capital, we’ve been supporting businesses with strategic debt solutions since 2013. Once we receive your details, here’s what happens next:

  1. 1

    Initial Consultation

    We’ll arrange a discovery call to understand your business model, funding requirements, and growth ambitions. This helps us evaluate whether there’s a good strategic fit.

  2. 2

    Information Gathering & Review

    If we proceed, our team will work closely with you to gather key financial and operational information. We’ll conduct a preliminary review to ensure we have a clear and accurate picture of your business.

  3. 3

    Investment Committee Review

    Your opportunity is then assessed by our investment committee. We take a considered, selective approach progressing only where we believe we can deliver real value. If there’s alignment, we’ll recommend the most effective funding strategy tailored to your needs and proceed with next steps thereafter.