Business loans: Working capital without the six-week wait.
When a big cost lands before the money comes in, a loan keeps the business running, repaid over a term you can manage. Decisions typically come within 24 hours.
- Amount
- £1k–£500k
- Term
- 3 months–6 years
- Lenders on our panel
- 90+
The deal
What you get.
The usual terms. Every lender sets its own.
- Unsecured loans based on your trading, usually with a personal guarantee (your own promise to repay if the business can’t)
- Secured loans, backed by property, for a longer term or a lower rate
- Repayments that rise and fall with your sales, if your income is seasonal
- Extra borrowing later, once you’ve built a record with the lender
- Cash raised against equipment or vehicles you already own outright
Where it fits
What it’s used for.
A few examples. If yours isn’t here, ask us.
- A VAT or corporation tax bill
- Hiring ahead of a contract
- Stock for a busy season
- Fitting out new premises
- Marketing or bidding for contracts
- Covering a customer who pays late
How it works
From first call to funds in three steps.
- A five-minute call What you need to fund, roughly how much and a little about you or the business. No paperwork up front. Day one
- We search the market We go to the lenders on our panel most likely to say yes, and bring back their early quotes side by side. Usually same day
- Sign and get funded Choose a quote and we handle the application. Once you sign, the money goes straight to your business account. Often within a week
Questions
Straight answers.
Something we haven’t covered? Ring us. You’ll get a plain answer from someone who knows the lenders, not a script.
As a rough guide, up to about one month’s turnover, sometimes more with strong accounts. We’ll tell you the realistic figure before you apply anywhere.
When you apply, the lender runs a credit search, which leaves a footprint on your credit file that other lenders can see. We’ll always tell you before that happens.
Usually, yes, and you’ll often save interest rather than pay a penalty. Early repayment terms vary by lender, and we’ll compare them for you.
Funding routes
Not the right fit? Other funding we arrange.
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A machine, van or lorry: asset finance
Asset finance £5k–£10m · 1–7 years
New or used, with the cost spread over its working life.
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A car for you or the business: car finance
Car finance From £5k · 1–7 years
Own it at the end, or drive it for a few years and hand it back.
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Invoices waiting to be paid: invoice finance
Invoice finance Up to 90% paid up front
Most of the money now, instead of waiting 60 or 90 days to be paid.
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Business premises: commercial mortgages
Commercial mortgages £50k–£10m+ · up to 25 years
For limited companies and partnerships of four or more partners.
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A brand-new business: new start finance
New start finance Little or no trading history
Your first van, machine or the cash to get going.
Find out where you stand.
One short conversation with a whole of market broker, not tied to any lender. No fee to you, and no obligation.
Get a quote