Short Term Business Loans
Short term business loans, funded fast
Access working capital in 24-72 hours from 250+ UK lenders - no long-term commitment
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.
Need cash quickly?
Working Capital Loans
Cover day-to-day operating costs, payroll, or supplier payments while waiting for revenue to arrive. Terms from 3-12 months.
Cash Flow Loans
Bridge seasonal revenue dips or gaps between contracts. Repay over 6-18 months as your income recovers.
Merchant Cash Advance
An alternative short term facility repaid as a percentage of your daily card sales. No fixed monthly payments.
Why businesses choose us
Fast funding
Decisions in hours and funds released within 24-72 hours in many cases.
Flexible terms
Borrow for 3-18 months and repay early without penalties on many products.
No long-term commitment
Access the capital you need now without a 5-10 year repayment schedule.
250+ lenders
We compare the full market to find the best short term rate for your business.
Finance by Industry
Fund fit-outs, stock, seasonal cash flow and business expansion for retail operations.
See Retail finance options →Short Term Business Loan FAQs
A short term business loan provides a lump sum of capital repaid over a period of 3-18 months. They are designed for businesses that need fast access to cash without committing to a multi-year repayment schedule.
Short Term Business Loans across the UK
Spark Finance arranges short term business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
- Short Term Business Loans in Birmingham
- Short Term Business Loans in Coventry
- Short Term Business Loans in Wolverhampton
- Short Term Business Loans in Stoke-on-Trent
- Short Term Business Loans in Nottingham
- Short Term Business Loans in Leicester
- Short Term Business Loans in Derby
- Short Term Business Loans in Northampton
North West
Yorkshire
North East
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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