Business Loans
Flexible Financing From £10,000 to £5 Million To Support Your Business Growth, Expansion, And Working Capital Needs.
Funding That Grows With Your Business
A Business Loan is an amount of money that is borrowed from a lender and paid back over an agreed term with an agreed amount of interest. Business loans can be secured against assets or property, or unsecured where no specific security is required. Whether you need to fund expansion, purchase equipment, or manage cash flow, we have a solution tailored to your needs.
Types Of Business Loans
Common Use Cases
Business expansion
Fund new locations, hire additional staff, or expand your product range to capture market opportunities before competitors do.
Property acquisition
Purchase commercial premises to establish your business presence or consolidate operations under your own control.
Equipment upgrades
Invest in modern equipment and technology to improve efficiency, reduce operational costs, and stay competitive.
Cash flow management
Bridge temporary cash flow gaps caused by seasonal variations, delayed customer payments, or unexpected opportunities.
Acquisition funding
Finance the acquisition of another business or merge with a competitor to increase market share and operational synergies.
Frequently Asked Questions
What is the typical loan amount available?
Business loans from £10,000 to £5 million are available, with most lenders offering facilities between £25,000 and £2 million for established businesses. The exact amount depends on your business financials, trading history, and security offered.
How long does the application process take?
Our streamlined process means you can receive approval in principle within 24-48 hours of submitting a complete application. Full underwriting typically takes 5-10 working days depending on the complexity of the deal and required documentation.
What documents do I need to apply?
Typically you'll need: 2-3 years of filed accounts, the last 6 months of bank statements, details of any existing debts, a business plan (for larger facilities), and proof of ID for directors. Your assigned broker will provide a specific checklist based on your circumstances.
Can startups apply for business loans?
Yes, specialist startup loans are available for businesses with less than 2 years trading history. These typically require a stronger personal guarantee from directors and may have higher interest rates to reflect the elevated risk profile of newer businesses.
What are the typical interest rates?
Rates vary significantly based on your business profile, loan amount, term, and security offered. Secured business loans start from around 5-7% APR, while unsecured facilities typically start from 8-12% APR. Your broker will source the most competitive options for your specific situation.
Are there any early repayment penalties?
Many modern business loans offer flexible repayment terms without exit fees. However, some fixed-rate periods or special promotional products may include early repayment charges. Always review the full terms before proceeding, and your broker will highlight any such conditions.
Do I need to provide security for a business loan?
Not necessarily — unsecured business loans are available up to £500,000 for established businesses with strong credit profiles. However, secured loans typically offer better rates and higher borrowing limits, with security often consisting of business assets, property, or personal guarantees.
How does my credit score affect my application?
Business and personal credit scores are important factors in the assessment process. They influence both the likelihood of approval and the interest rate offered. However, we work with over 160 lenders including those who specialise in adverse credit situations, so there are options available for most credit profiles.
Ready to Secure the Right Funding?
Our team of finance experts is ready to help you find the perfect business loan solution. Get in touch today for a no-obligation consultation.
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