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Large Business Loans from
£100K to £1M

Fast, Flexible Funding

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

Large Business Loans from £100K to £1M

What Is a Large Business Loan?

Large business loans provide access to significant capital for companies looking to grow, invest or strengthen operations.

Whether you’re expanding your footprint, acquiring another business, or improving cash flow, our funding is tailored to fit your needs. Fast, flexible, and designed around your goals.

How Much Can I Borrow?

We offer business loans from £100,000 to £1,000,000.

Your approved amount will depend on factors such as your turnover, trading history, and how the funds will be used. All loans are unsecured and structured to suit your business.

Why Choose Spark for Large Business Loans?

We help established UK businesses secure large business loans between £100,000 and £1,000,000 to support expansion, boost working capital, or fund strategic projects.

With quick decisions, straightforward terms, and dedicated support, our funding solutions are built to power real business growth.

  • Fast access to funding – Apply online in minutes and get a decision in as little as 24 hours.
  • Tailored loan amounts – Borrow £100K to £1M based on your business profile.
  • Flexible repayment options – Terms aligned to your cash flow and objectives.
  • Competitive, transparent pricing – No hidden charges or unexpected fees.
  • Expert, UK-based support – Speak with a business finance specialist from day one.

Am I Eligible Large Business Loans?

Our large business loans are ideal for companies that:

  • Need between £100,000 and £1,000,000 in funding.
  • Have been trading for at least 12 months.
  • Operate within the UK.
  • Require fast, tailored finance to fuel growth or manage working capital.

Common Uses for a £100K to £1M Business Loan

Our customers use large loans for a wide range of purposes, including:

  • Business expansion and new locations.
  • Purchasing stock, vehicles or equipment.
  • Recruitment and payroll during growth periods.
  • Business acquisitions.
  • Debt refinancing or consolidation.
  • Improving cash flow and operational agility.

Every loan is customised to support your specific plans.

What Are the Costs & Terms for a Working Capital Loan?

The cost of a large business loan will depend on factors such as the loan amount, repayment term, and the financial profile of your business. Interest rates are competitive and tailored to your circumstances, with clear, fixed monthly repayments and no hidden fees. 

Loan terms typically range from 12 to 60 months, and you can borrow between £100,000 and £1,000,000, depending on your turnover, trading history, and affordability.

In many cases, early repayment is allowed without penalties, giving you added flexibility. We’ll always provide a full breakdown of costs upfront, so you know exactly what to expect 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.

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FAQs

Can I repay my large business loan early without penalties?

Yes, we offer flexible repayment options, including the ability to settle your loan early. Many of our funding partners allow early repayment without additional fees, helping you save on interest if your cash flow improves or you complete your project ahead of schedule.

Will applying for a large business loan affect my credit score?

The initial application does not affect your credit score. A hard credit search may be performed later in the process if you proceed with the loan offer, but we’ll always let you know in advance.

Can I apply for a large loan if I already have existing business finance?

Yes, in many cases you can still be eligible. We assess your full financial position, including any existing borrowing, to ensure the new loan is affordable. In fact, some clients use large loans to refinance and consolidate existing debt into one manageable monthly payment.

What documents will I need to apply for a large business loan?

You’ll usually need to provide recent bank statements, proof of trading history, and basic company information. For larger amounts, additional documents such as financial accounts or cash flow forecasts may be requested to support your application.

Do I need security for a £100K - £1M loan?

No, our large business loans are typically unsecured, so you won’t need to provide physical assets as collateral. Approval is based on your business’s financial performance, trading history, and ability to repay.

However, in most cases, lenders will require a personal guarantee to be signed by one or more company directors as part of the agreement. This helps provide reassurance to the lender without tying the loan to specific business assets.

Jamie Davies

Head of Lending

"Large business loans provide substantial funding to support strategic growth, major investments, or long-term projects. With flexible terms and fast access to capital, they enable businesses to scale operations, expand into new markets, or invest in high-value assets with confidence."
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).