Working Capital

Established businesses can have substantial amounts of capital tied up in receivables, inventory and other business assets. We support UK businesses with working capital requirements from £5m through Asset Based Lending, helping to create liquidity for investment, growth and other strategic opportunities.

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Benefits of working with Shawbrook

    • Specialist expertise - We’re used to handling complex working capital requirements and take the time to understand your business, market and objectives.
    • Tailored funding - Flexible funding structured around your business, its assets and your working capital requirements.
    • Long-term partnership - Ongoing support as your business grows and its working capital requirements evolve.
    • Award-winning team – Named Alternative/Asset Based Lender of the Year at the Insider Midlands Dealmakers Awards 2026, with our team also recognised as the winning Asset Based Lending Team at both the North West Rainmaker Awards 2026 and the Yorkshire Rainmaker Awards 2026.

    Our working capital solution

    Asset Based Lending

      Asset Based Lending is designed for established businesses with significant value tied up in receivables, inventory and other assets. By releasing that value, it can provide the liquidity needed to support day-to-day cash flow, manage the operating cycle and fund growth. Facilities range from £5m to £50m.

      Security may be required. Any property or asset used as security may be at risk of repossession if you do not repay any debt secured on it. Our business lending products are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

      Explore Asset Based Lending Enquire about Asset Based Lending
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      Working capital case studies

        Find out how we’ve supported businesses with their working capital requirements and wider growth plans.

        Read more case studies
        Copper stills and three large whisky barrels labeled “The Glasgow Distillery Co. 2023” are inside an industrial distillery with wooden casks stacked in the background and sunlight streaming from windows above.
        Case Study

        Shawbrook supports Glasgow Distillery Company with £11m funding facility

        Specialist inventory-backed funding unlocks working capital from maturing Scotch whisky inventory to support continued growth.

        Read the case study
        Two men in orange safety vests stand near a truck, looking at a phone. A forklift driver moves a pallet in the background. Trees and a building are visible on a sunny day.
        Case Study

        Supporting Shawston Group’s next phase of growth with an £11m funding package

        Shawbrook provides a flexible funding package to help Shawston Group refinance existing facilities and pursue its growth ambitions.

        Read the case study
        Worker assembling plastic injection moulded parts in automotive parts factory
        Case Study

        Goodfish secures multi asset ABL facility for Flint acquisition and working capital

        Provider of plastic injection moulding, Goodfish Group secured multi asset ABL facility from Shawbrook for Flint acquisition and working capital boost.

        Read the case study

        Meet our Asset Based Lending team

          Oliver Wilson leads Shawbrook’s Asset Based Lending team. With over 20 years’ experience across corporate banking, alternative credit, Leveraged Finance and Asset Based Lending, Oliver brings deep expertise in structuring flexible funding solutions for established UK businesses.

          Submit an enquiry Meet the team
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          Working capital FAQs

            Working capital finance can help businesses manage the cash tied up in their operations, such as receivables, inventory and other assets. It can provide financial headroom to meet ongoing commitments, invest in growth or respond to new opportunities.

            At Shawbrook, we support working capital requirements through Asset Based Lending.

            Asset Based Lending allows a business to raise funding against eligible assets on its balance sheet. This can help release capital that would otherwise remain tied up in the business and make it available for day-to-day operations and growth.

            For more information on how this works, visit our Asset Based Lending page.

            Asset Based Lending may be suitable for established UK businesses with working capital requirements of £5m or more, particularly where growth, increased trading activity or longer customer payment cycles are tying up cash in receivables, inventory and other eligible assets.

            We typically support established businesses with a proven track record, led by an experienced management team. Each opportunity is assessed based on the business, its assets and its overall funding requirements.

            Working capital finance is a broad term for funding that supports a business’s day-to-day operating cycle. A working capital loan will typically provide a fixed amount of funding over an agreed term.

            Shawbrook does not offer a standalone working capital loan. Instead, we can provide Asset Based Lending facilities to support businesses with significant working capital requirements.

            We can help established businesses access liquidity to:

            • Support increased trading activity
            • Manage the gap between paying suppliers and receiving payment from customers
            • Pursue strategic growth plans, including acquisitions and management buy-outs
            • Refinance existing borrowing

            Our Asset Based Lending facilities range from £5m to £50m. The amount available will depend on your business, its eligible assets and its funding requirements.

            Our business

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            About Shawbrook

            Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

            More about Shawbrook
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            Sustainability

            Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment. 

            Our sustainability strategy
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            Sponsorship Programme

            As official banking partner of Saracens Rugby Club and lead partner of London Mavericks netball, we are proud to champion inclusive elite sport and the opportunities it can bring for all participants, both on & off the field & court.

            Sponsorship