Working Capital Loans UK: What Brokers Need to Know About the Latest Facility Updates

Quick Update for Brokers

‍

This update is shaped by real customer conversations. Over the past months, the message has been consistent. Growth capital still matters for SME clients but most high-stakes decisions are driven by day-to-day cash flow, stock commitments and keeping operations running without friction. To match how businesses work in practice, Juice’s revolving credit facility has been expanded further. What started as a way to support marketing and inventory now covers a much wider set of working capital needs.

What’s changed? The core remains reliable. Flexible access, credit clients can reuse, and interest paid only on what is drawn. The difference is in the scope and in the reduction of friction. Facility access now fits even more naturally into the daily pattern of payments, supplier relationships and cycles where costs often land before revenue is in.

‍

What Has Changed with the Revolving Credit Facility

‍

- Broader support: The facility now works across a full range of operational requirements. Clients can use it to smooth out gaps in cash flow, manage supplier funding, or move quickly on opportunities that need backing as numbers come in.

- Direct drawdown and predictability: Clients can now schedule drawdowns ahead of time. This means funds will be there exactly when required, allowing precise alignment with planned payments or inventory cycles.

- Funds disbursed to business accounts: There is no need for additional steps. Eligible clients receive funds straight to their business bank account so the facility fits naturally into all existing plans. To see how this applies to a broader business pool, including high street and offline clients, see the Now Funding Non-Digital Businesses guide.

- Automated repayments and digital monitoring: Repayments now use direct debit. This reduces manual processes and brings more certainty. Open banking tools support responsible access and ongoing monitoring after funds are drawn, cutting friction before funding.

‍

The overall structure gives clients more control and less admin. Brokers can reassure clients: the fundamental facility does not change. It now supports more of what makes a business operate smoothly. Scheduling flexibility also allows better cash management, letting payments, purchases or investment decisions happen with real confidence.

For detailed explanations of product structure, see the dedicated facility guide. For support in choosing between a term loan and a revolving credit facility, refer to this product comparison.

‍

How to Discuss Working Capital Loans UK with Clients

‍

Clients rarely need theory. They need funding built to how their business moves. Use these practical steps to shape your conversations:

‍

- Start with timing. When do cash outflows hit hardest? Our expanded facility lets clients bridge gaps with confidence, knowing funds can be drawn at the right time.

- Highlight predictability. Direct debit repayment and the ability to schedule drawdowns support planning and reduce late surprises.

- Emphasise multi-use flexibility. Clients can repay and redraw within the same facility, matching the financial rhythm of trading months.

‍

Use targeted questions to uncover needs:

- “Which months or weeks highlight cash pressures despite good sales?”

- “Where do supplier terms or payroll cycles create timing mismatches?”

- “How often do one-off events or orders leave you needing a fast, flexible source of working capital?”

Refer to Build Loyalty This BFCM: Why Retention Beats Reach Every Time for practical ways founders focus on retention, backed by predictable funding.

When it makes sense to highlight how the revolving credit facility works, simplify the detail and send clients to the explainer guide. If clients ask about long-term suitability or want to see product comparisons in action, use real-world client stories found across the growth and referral case studies and the funding expansion overview.

‍

For Brokers: The Value Delivered

‍

The facility update allows you to support modern businesses with real flexibility in funding structure. This clarity helps strengthen your client relationships. You now have a practical option for working capital support that fits into day-to-day business, not just big moments.

‍

Use the resources below to support your next client discussion:

- Business Loans UK Guide and market expansion insights

- Working Capital Loans UK explainer

- Comparison of facility structures

- Referral routes for new clients with broader operational needs

‍

If you want to walk through specific scenarios or discuss how these changes work for a client’s business, reach out for a tailored review.

‍