Business Loans
Fast, flexible business loans for every stage of growth
Compare rates from 250+ UK lenders with one simple application
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Looking for a business loan?
Term Loans
Fixed repayment loans from £10,000 to £5m+ over 1-10 years. Ideal for planned investments, refurbishments or business acquisitions.
Working Capital Loans
Short-term lending to cover operating costs, seasonal peaks or gaps between contracts. Repay when your cash flow recovers.
Growth Finance
Structured funding for ambitious businesses looking to scale - hire staff, open new locations, or enter new markets.
Why businesses choose us
Flexible
Choose repayment terms from 3 months to 10 years to match your business plan.
Specialists
Expert advisers who understand business lending across every sector.
Fast decisions
Get a decision in as little as 24 hours with funds released the same week.
Tailored solutions
We compare 250+ lenders to find the loan that fits your exact needs.
Finance by Industry
Fund fit-outs, stock, seasonal cash flow and business expansion for retail operations.
See Retail finance options →Business Loan FAQs
A business loan provides a lump sum of capital that is repaid over an agreed term with interest. They can be secured or unsecured depending on the amount and your business profile.
Business Loans across the UK
Spark Finance arranges business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
South East
East of England
Midlands
North West
Yorkshire
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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