Frequently Asked Questions

We work with lenders who offer business loans from £10,000 up to £5 million or more, depending on your business profile, security available, and loan purpose. For specialist finance products like development finance or bridging loans, amounts can reach £30 million+. Your broker will help you identify the right loan size for your needs during the initial consultation.

Our streamlined process means you can receive approval in principle within hours for straightforward cases. More complex applications, such as commercial mortgages or development finance, typically take 2–5 business days from application to offer. The speed depends on the completeness of your documentation and the complexity of the deal. We always aim to move as quickly as your business requires.

The exact documents required depend on the loan type and lender criteria. Typically, you'll need 2–3 years of filed accounts, management accounts (if recent), bank statements (typically 3–6 months), proof of identity and address, and details of any security being offered. Your broker will provide a tailored document checklist specific to your application and chosen lender.

Yes — specialist startup funding exists for businesses with limited trading history. While traditional high street banks can be reluctant to lend to new businesses, we work with lenders who understand startup propositions and assess business potential rather than just trading history. Startup loans typically range from £10,000 to £500,000 with terms designed for new businesses.

Rates vary significantly depending on the product type, loan amount, term, security offered, and your business credit profile. As a rough guide: business loans from 3.9% APR, bridging finance from 0.75% per month, commercial mortgages from 3.5% APR, and development finance from 5.5%+ per annum. Your broker will obtain real quotes from our network of 160+ lenders tailored to your specific circumstances.

Early repayment terms vary by lender and product type. Some products — particularly fixed-term business loans — may have nominal early settlement fees (typically 1–3 months' interest). Bridging loans are usually more flexible with no early exit fees. Your loan offer documentation will clearly set out any early repayment terms before you commit. We always recommend discussing this with your broker.

Not necessarily. We offer both secured and unsecured business finance options. Unsecured loans are available up to £500,000 for established businesses with a strong credit profile. Secured loans (against property, equipment, or other assets) typically unlock higher borrowing amounts and more competitive rates. Your broker will recommend the best structure for your situation.

For most commercial finance applications, the business credit profile is the primary consideration. However, for smaller businesses, sole traders, and partnerships, the directors' or partners' personal credit history may also be assessed, particularly for amounts under £250,000. Poor personal credit doesn't automatically disqualify you — some lenders specialise in complex situations. Speak to your broker about your specific circumstances.

Absolutely. Debt consolidation is one of the most common uses of business finance. Combining multiple existing debts into a single loan can simplify your finances, reduce monthly repayments, and potentially lower your overall interest cost. Our lenders offer consolidation facilities that can refinance existing business debt, director loans, and in some cases, short-term bridging debt.

We understand that business circumstances can shift. If your revenue, cash flow, or trading conditions change during the loan term, contact your broker or the lender as early as possible. Many lenders are flexible and can discuss revised repayment schedules or covenant adjustments. Early communication is always better than missing payments, which can affect your credit rating and relationship with the lender.

With access to over 160 lenders, we don't take a one-size-fits-all approach. Your broker assesses your business profile — including credit history, sector, trading history, security, and loan requirements — then matches you with the lenders most likely to approve your application at the most competitive rate. This is the real value of using a commercial finance broker over approaching lenders directly.

Every client has a dedicated point of contact at G6 Commercial Finance throughout the life of their loan. Our Aftercare service means your broker is available to help with any questions, review your facility as your business grows, and advise on additional funding when needed. We're your long-term finance partner — not just a one-time broker.