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Compare Business Loans

Compare the UK's top business finance options in one place.

We compare over 250 lenders to get you the best deal.

Compare Business Loans

What is the main benefit of comparing loans?

Comparing business loans helps your company secure the best deal based on your funding requirements, industry, and credit profile. Whether you need quick access to working capital or long-term investment, comparing lenders ensures you make an informed decision tailored to your goals.

Am I Eligible to Compare Business Loans?

You’re eligible to compare business loans if you're a UK-registered business with at least 6 months of trading history. Comparing options doesn’t affect your credit score and gives you access to a wide panel of lenders suited to different industries and funding needs.

How Much Can I Access When Comparing Business Loans?

Loan amounts range from £1,000 to £5 million. Eligibility and amounts vary by lender, but comparison tools let you explore options across the spectrum, from short-term working capital to large investment loans.

How Fast Can I Get Funded After Comparing Business Loans?

Many lenders offer pre-approval in under 24 hours. Once you select the right product and submit documentation, funds can be released in 1 to 5 business days depending on the complexity of the loan.

What Can Comparing Business Loans Help Me With?

It helps you identify the most suitable finance options based on rate, repayment flexibility, approval criteria, and speed of funding—whether you're after growth finance, refinancing, or short-term capital.

What Are the Costs & Terms When Comparing Business Loans?

By comparing loans, you can access rates starting from as low as 4.5% annually. Terms vary from 3 months to 10 years. Transparent comparison allows you to review fees, interest rates, and flexibility before committing.

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Please note the minimum requirement is £5,000.

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Journey

Submit your enquiry

Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.

Speak to a specialist

A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.

Get matched with a lender

We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.

Choose your finance offer

Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.

Receive your funds

Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.

Loan Calculator

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Total Repayment
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Industries

Agriculture & Natural Resources

Healthcare & Life Sciences

Technology & Telecommunications

Manufacturing & Industry

Finance & Insurance

Transportation & Logistics

Education & Non-profit

Services

Entertainment & Media

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FAQs

Does comparing business loans impact my credit score?

No. Most business loan comparison platforms use a soft credit search during the comparison stage, which means your credit score is not affected.

Only when you proceed with a formal application to a lender will a hard credit check be performed.


This allows you to explore multiple options, assess loan terms, and compare rates safely, without negatively impacting your credit rating or eligibility.

Can I apply to multiple lenders through a comparison platform?

Yes. Many online comparison platforms allow you to submit a single application that reaches multiple lenders simultaneously.

This streamlines the application process, saves time, and increases your chances of approval, as lenders receive the necessary information to assess eligibility without requiring separate submissions.

It is particularly useful for SMEs seeking fast, flexible funding from multiple sources.

Are secured and unsecured loans both available through comparison?

Yes. Comparison platforms typically list both secured and unsecured business loans, enabling you to choose the option that best suits your business needs.

Eligibility for each loan type is usually indicated based on your financial profile, turnover, and credit history, helping you identify the most suitable funding solutions.

This allows businesses to compare interest rates, repayment terms, and loan amounts in one place.

Is there a fee to use a business loan comparison service?

Most comparison platforms are free to use. They earn commissions from lenders when a loan is successfully arranged, but you do not pay to access the service.

Free comparison tools provide transparent access to multiple lenders, making it easier to find competitive loan deals without committing to a single provider or paying unnecessary fees.

What’s the benefit of using a loan comparison tool instead of applying directly?

Using a business loan comparison tool saves time, improves transparency, and helps avoid unnecessary hard credit checks.

It allows you to view multiple lenders, compare interest rates and repayment terms, and identify the most competitive funding options for your business.

By providing a broader market perspective, comparison platforms increase your chances of finding a loan that fits your business requirements and provides quick access to capital.

Jamie Davies

Head of Lending

"Comparing business loans ensures companies find the most suitable finance solution for their specific needs. By evaluating interest rates, terms, and lender criteria, businesses can secure competitive funding that supports their goals while avoiding unnecessary costs or restrictions."
Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).