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.
Agriculture & Natural Resources
Healthcare & Life Sciences
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Manufacturing & Industry
Finance & Insurance
Transportation & Logistics
Education & Non-profit
Services
Entertainment & Media
Yes, many lenders offer unsecured business loans, particularly for businesses with strong cash flow and credit records. However, directors’ personal guarantees are often still required.
Absolutely. Refinancing can consolidate debts, reduce monthly payments, or secure a better interest rate. It's advisable to compare offers and consider any early repayment fees.
Lenders review company accounts, bank statements, trading history, and cash flow forecasts. Director credit checks and industry risk may also influence the outcome.
Yes, although terms may be less favourable. Some lenders specialise in sub-prime business lending or may request security to offset the risk.
Most business loans allow early repayment. Some lenders offer interest savings or flexible overpayment options, but always check for early exit charges in your agreement.
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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."
