Business Loans
Fuel Your Business Growth
From £10,000 to £2 million. Secured and unsecured options. Rates from 6.9% APR. Get a decision in as little as 24 hours.
- Terms from 3 months to 10 years
- No upfront fees to apply
- Options with no early repayment penalties
- Trustpilot
4.1 – Excellent
We've sourced over £10 million
for business owners just like you!
- Helping UK businesses unlock their potential
Funding Solutions
Business Loan Options
Unsecured Business Loan
Fast funding with no collateral required – perfect for businesses with strong credit profiles looking for a quick capital boost.
- No assets required
- Quick decisions
- Flexible terms
Secured Business Loan
- Lower interest rates
- Higher borrowing limits
- Longer terms available
Revolving Credit Facility
- Pay for what you use
- Reusable credit
- Manage cash flow gaps
Merchant Cash Advance
Funding tailored to your card sales – repayments adjust with your revenue, so you pay more during busy months and less during quieter ones.
- Suppliers get early payment
- Extend your payment terms
- Strengthen supply chain
Trade Finance
Finance your imports and bridge the gap between paying suppliers and receiving payments from customers.
- Fund imports and stock
- Take on larger orders
- Domestic and international
Why Choose a Business Loan
Benefits of Business Financing
Strategic borrowing helps businesses grow faster and weather challenges more effectively.
Invest in Growth
Finance projects and seize new opportunities without draining your cash reserves – repay as you generate revenue.
Manage Cash Flow
Protect Your Reserves
Got Questions?
Business Loan FAQs
Find answers to the most common questions about business loans and our application process.
How long does the application process take?
Our initial application takes just 10 minutes. Once submitted with supporting documents, you can typically expect a decision within 24-48 hours. For some products, we can arrange same-day funding.
What documents will I need?
Generally, you’ll need recent business bank statements (3-6 months), filed accounts or management accounts, identification, and proof of trading. Our team will guide you through exactly what’s needed for your specific application.
Am I eligible for a business loan?
Eligibility depends on your circumstances and business profile. Most UK-registered companies trading for 6+ months can qualify. We work with businesses of all credit histories and can often find solutions even when banks say no.
Do I need perfect credit to qualify?
No. While credit history is considered, we take a holistic view of your business. Strong cash flow, trading history, and growth potential are all important factors. We specialise in finding solutions for businesses with imperfect credit.
How are business loans secured?
Secured loans use business assets (property, equipment, vehicles) as collateral, typically offering lower rates. Unsecured loans don’t require collateral but may have higher rates. Personal guarantees may be requested depending on the lender and amount.
What's the difference between a Personal Guarantee and a Debenture?
A Personal Guarantee (PG) means you personally agree to repay if the business cannot—common for unsecured loans. A Debenture secures the loan against business assets only, keeping personal assets separate. We’ll explain which applies to your situation.
How quickly can I access funds?
Once approved and agreements signed, funds can transfer within 24 hours. Some products like invoice finance can provide same-day funding. Our average time from enquiry to funding is 5-7 working days.
What can I use a business loan for?
Business loans can fund almost any commercial purpose: stock purchases, equipment, expansion, hiring, marketing, tax bills, refinancing existing debt, or managing cash flow. We’ll help match you with the right product for your needs.
Still have questions?