A Business Loan gives UK limited companies access to straightforward, unsecured or secured funding for a wide range of operational needs. Whether you're planning to expand, invest in new projects, or stabilise cash flow, business loans offer fast, flexible capital that aligns with your growth strategy and repayment capacity.
Most lenders require your company to be UK-registered, actively trading for at least 6 to 12 months, and generating sufficient turnover. Creditworthiness is assessed through company financials, bank statements, and director profiles. Startups may be considered with a strong business plan and backing.
Loan values typically range from £10,000 to £2 million, depending on your turnover, profitability, and whether the loan is secured or unsecured. Larger facilities may be offered to companies with assets or those seeking long-term growth funding.
Decisions on unsecured loans can be made in as little as 24–72 hours. Secured loans or more complex cases may take up to two weeks. Upon approval, funds are usually disbursed within 1–3 working days.
Business loans can be used for working capital, hiring, marketing, stock purchase, office relocation, equipment upgrades, or even refinancing existing debt. They're designed for general business use and adaptable to your growth plans.
Interest rates vary from 5% to 15% annually based on your risk profile, loan term, and whether the facility is secured. Terms range from 6 months to 6 years. Some products come with early repayment benefits or repayment holidays.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
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Yes, many lenders in the UK offer unsecured business loans, particularly for businesses with strong cash flow, positive trading history, and good credit records.
While these loans do not require physical assets as collateral, most lenders will still request directors’ personal guarantees to provide additional reassurance.
Unsecured loans are ideal for businesses that want flexible funding for working capital, expansion, or operational costs without risking property, equipment, or other assets.
Absolutely. Refinancing an existing business loan can help consolidate multiple debts into a single repayment, reduce monthly payments, and secure a better interest rate.
It’s important to compare offers from different lenders and consider any early repayment fees on your current loan.
Refinancing is a common strategy for businesses seeking to improve cash flow, simplify debt management, and reduce overall borrowing costs.
Lenders typically review a combination of financial and operational factors, including:
This assessment allows lenders to determine your repayment capacity and risk profile, ensuring that the loan is suitable for your business.
Strong financials, stable cash flow, and a clear business plan improve the likelihood of securing favourable terms.
Yes. While terms may be less favourable, some lenders specialise in sub-prime business lending or may request security to mitigate the risk.
Many lenders consider other financial factors beyond credit score, such as turnover, trading history, and cash flow.
This allows businesses that have been declined by traditional lenders to access funding for growth, working capital, or refinancing existing debt.
Most business loans allow early repayment, which can reduce the total interest paid over the life of the loan.
Some lenders also offer flexible overpayment options, giving your business control to repay faster when cash flow allows.
It’s important to check your loan agreement for any early exit charges or fees, as these vary between lenders.
Flexible repayment options are particularly beneficial for businesses with seasonal revenue fluctuations or periods of high cash inflow.
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"A business loan offers straightforward funding to support growth, manage cash flow, or cover one-off expenses. With flexible terms and fixed repayments, business loans give companies the confidence to plan ahead and invest in opportunities without diluting ownership."
