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Business Loans

Compare a selection of business loan providers from high street banks to online only providers who will lend where the main stream banks but may charge a higher rate of interest.

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Funding Circle Business Loans

We could help your business get access to funding in as little as 7 days. (Need T/O £50k+) No early repayment fees. Check if you qualify online in just 30 seconds.

Working Capital Business Loans

Lender
Business Loan Offer
Min Loan
Max Loan
Min Term
Max Term
Apply
iwoca Small Business Loans
Rates from 2% - 6% per month. Sign up online and get approved in hours. There are no application fees or set-up fees and you can even save money with free early repayments. Open to both UK sole traders and limited companies.Startups limited to £10,000.
£1,000
£150,000
1 Month
12 Months
Representative Example: Borrow £10,000 for 12 months at 49% representative APR. Interest rate of 40% p.a. (fixed). Total amount repayable is £12,165. Actual rate may vary based on circumstances.
Funding Circle Unsecured Business Loans
We could help your business get access to funding in as little as 7 days. Borrow from £5k to £1mil. Business must have a turnover of £50k+. No early repayment fees. Check to see if you qualify in 30 seconds and get a decision within 24 hours.
£5,000
£1,000,000
6 Months
5 Years
Amplifi Capital UK Unsecured Business Loans
Fixed APR and interest rates. Amplifi provides simple and clear business finance to every type of business. Get a decision within 2 days. . There are no set-up fees or hidden costs. Subject to status and credit assessments
£3,500
£100,000
3 Months
12 Months
Representative Example: £15000 borrowed over a period of 12 months at 73.16% (fixed) equals daily repayments of £75.29 and a total amount repayable of £19,500. There are no other charges included in the total charge for credit.
Boost Capital Small Business Loans
Business must be trading more than 9 months. Access funds in as few as 2 days and use for any business expense. Flexible repayment options adjust to your cash flow. Must have a turnover of £70k and trading for 2years+
£3,000
£500,000
1 Month
12 Months
Business Enterprise Fund Unsecured Business Loans
Unsecured business loan with fixed rate and no early repayment fees. Terms up to 10 years. Flexible and personally tailored. Finance to up to 100% of funding required. Repayments are unaffected by interest rate charges. CCJ applicants considered.
£500
£100,000
1 Month
10 Years
Representative Example: £10,000 loan repayable over 5 years. 60 monthly payments of £193.33. Rate of interest 6% per annum fixed. Representative APR 6.18%. Total amount of credit £10,000.Total interest payable £1,599.80.Total cost of credit £1,599.80. Total amount payable is £11,599.80.
Business Finance Solutions Unsecured Business Loans
Loans from £3,000 to £100,000, with interest rates between 10 - 15%. Repayment term up to 5 years. Aimed at Greater Manchester and Cheshire who are unable to raise the finance to start up a new business or finance a current one. Quick decision.
£3,000
£100,000
12 Months
5 Years
Representative Example: £3000 borrowed over a period of 1 years at 15% (fixed) equals monthly repayments of £271 and a total amount repayable of £3,249. There are no other charges included in the total charge for credit.
Clearfunder Business Loans
Borrow between £10k - £100k over a term of 6 - 12 months. Quick, simple and easy finance that fits your business needs.
£10,000
£100,000
6 Months
12 Months
Fleximize Small Business Loans
Businesses can borrow from £5000 up to £500,000 unsecured over a minimum of 1 month to a maximum of 48 months term. Only pay back on the loan when you make sales. Fee free.
£5,000
£500,000
1 Month
48 Months
Representative Example: £5000 borrowed over a period of 1 years at 51.1% (fixed) equals monthly repayments of £5,213 and a total amount repayable of £5,213. There are no other charges included in the total charge for credit.
Ezbob Small Business Loans
5 minutes apply with only your VAT or bank statements and a few hours to get accepted. Apply now for up to £120,000 with interest rates as low as 1.75% a month for 12 months. Arrangement fee between 3-7% of amount borrowed.
£1,000
£120,000
1 Month
9 Months
Representative Example: £20000 borrowed over a period of 1 years at 1.6% (fixed) and an arrangement fee between of 3.5% equals monthly repayments of £21,340 and a total amount repayable of £21,340. There are no other charges included in the total charge for credit.
Ferratum Unsecured Business Loans
Arrangement fee of 2.5%. Unsecured business loans from Ferratum with terms from 6 - 18 months. Borrow from £2k - £50k. Must have been trading for at least 18 months and an annual turnover of £75,000.
£2,000
£50,000
6 Months
18 Months
Funding Knight Business Loans
Rates between 8.75% 12% and get your funds if approved within one month or less. Use the funds for almost any purpose including: purchase of stock, working capital, supporting your operating cycle, international trade and more.
£250,000
£1,000,000
6 Months
5 Years
esme Business Loans
Get an esme (European Society for ME) loan for up to 5 years. Receive £5k - £150k for any business purpose. Over half of customers get a monthly interest rate of 1% equivalent to an annual interest rate of 12%.
£5,000
£150,000
12 Months
5 Years
Representative Example: £5000 borrowed over a period of 1 years at 12% (fixed) equals monthly repayments of £444 and a total amount repayable of £5,331. There are no other charges included in the total charge for credit.
HSBC Small Business Loans
Fund your business with a small business loan. Get funds of £1k - £25k with 7.4%APR representative. for a term of 12 months - 10 years.Check your eligibility and apply today. Offer to defer your payment for 3 months.
£1,000
£25,000
12 Months
10 Years
Representative Example: £1000 borrowed over a period of 1 years at 7.4% (fixed) equals monthly repayments of £87 and a total amount repayable of £1,041. There are no other charges included in the total charge for credit.
Nationwide Corporate Finance Unsecured Business Loans
95% acceptance rate. Quick application and decision made within 24 hours by a real person who wants to approve your funding. Excellent rates and early repayment is accepted. Check if you are eligible before application. No application fees.
£10,000
£500,000
6 Months
5 Years
Just CashFlow Business Loans
A specialist lender to UK Limited Companies and LLPs. A free, no-obligation funding decision made by real people. Borrow £20,000 up to £500,000 for a few days, a few weeks or a few months. Interest rates from 0.05% per day. No Sole Traders.
£10,000
£500,000
1 Month
12 Months
Nucleus Tailored Business Loans
Get a decision on the same day and your funds if successful within 24 hours. Excellent rates. Use this funding to make your business grow, or for any other business situation. Unsecured and secured loans.
£25,000
£100,000
1 Month
12 Months
Ratesetter Unsecured Business Loans
Borrow £25k - £750k for a term of 3 - 5 months on an unsecured business loan. Need to have been trading in the UK for at least 3 years and have 2 years filed accounts.
£25,000
£750,000
3 Months
5 Years
Shire Funding Unsecured Business Loans
Flexible and unsecured. Borrow between £5,000 - £200,000. Use this money towards: working and expansion capital, asset finance. Loans from 1 - 5 years. Great rates. Decision within 48 hours, get money within 2 weeks. Independent from your bank.
£5,000
£200,000
1 Year
3 Years
Santander Working Capital Loans
Get a working capital loan with Santander and get approved within 7 minutes from application. Get your funds into your account within 24 hours and repay the loan over a period of 6 months. Borrow £1k - £100k.
£1,000
£100,000
1 Month
6 Months
Representative Example: £5,000 repayable over 6 months. If the rate of interest is 14%, this is equivalent to 28% per annum (fixed) or 61% APR representative. Total amount repayable is £5,700 (made up of initial loan of £5,000 plus £700 interest). Please note this is a 6 month loan product and the annual rate of interest is shown for comparison purposes only.
Spotcap Unsecured Business Loans
Unsecured business loans from £10k - £150k over a term of 1 - 15 months. 24.4% APR representative. To qualify you need to have been trading for at least two years and have an annual turnover of £250k. Get a decision within 24 hours.
£10,000
£150,000
1 Month
15 Months
Representative Example: Based on 1.5% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is 24.2%, which includes both interest and fee. The total payable amount is £110,016. This amount consists of principle, interest and fee.
Thin Cats Business Loans
Loans from £100k - £5m with an LTV of 1.5%. Established businesses with at least 2 years of trading history accepted. Must be based in the UK and willing to provide documents.
£100,000
£5,000,000
3 Months
5 Years
Representative Example: £5000 borrowed over a period of 1 years at 8.6% (fixed) equals monthly repayments of £1,691 and a total amount repayable of £5,072. There are no other charges included in the total charge for credit.
Ultimate Finance Ultimate Loan
Interest rates from 1.5% per month and 36.8%APR. Repay the loan over a term of 12 months and borrow £5 - £100k. No set up fees or early repayment fees. Ltd's and LLP's only. If successful get approval by next working day. Must accept debit card payments.
£5,000
£100,000
1 Month
12 Months
Representative Example: £5000 borrowed over a period of 1 years at 36.8% (fixed) equals monthly repayments of £5,153 and a total amount repayable of £5,153. There are no other charges included in the total charge for credit.

Merchant Cash Advance Business Loans

Lender
Business Loan Offer
Min Loan
Max Loan
Min Term
Max Term
Apply
Capify Merchant Cash Advance
Accept £3.5k+pm - £500k in card payments from your customers. Receive from £3500 up to £500,000 in unsecured business finance. 90% acceptance rate. Flexible repayments which work in line with cash flow.
£3,500
£500,000
1 Month
12 Months
365 Business Finance Merchant Cash Advance
90% approval rate. No security or business plans required. We charge an all-inclusive fee for the advance, and unlike a bank loan, there are no admin charges, interest costs or late charges. No APR, late fees or hidden fees. Get an answer within 24 hours.
£5,000
£200,000
0 Months
0 Months
Liberis Merchant Cash Advance Loans
Payback as you earn, it’s easy on the cashflow. No APR, just one simple cost agreed upfront. Between £2.5k & £300k available. No security, fixed payments & no other fees, charges or penalties. Must accept card payments & been in business 4+ months.
£2,500
£300,000
4 Months
7 Months
Ultimate Finance Merchant Cash Advance
Interest rates from 1.5% per month and 36.8%APR. Repay the loan over a term of 12 months and borrow £5 - £100k. No set up fees or early repayment fees. Ltd's and LLP's only. If successful get approval by next working day. Must accept debit card payments.
£5,000
£100,000
1 Month
12 Months


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Invoice Finance

Lender
Business Loan Offer
Min Loan
Max Loan
Min Term
Max Term
Apply
Market Invoice Business Loans
Nominate your core ‘blue-chip’ customers, and select invoices that you wish to raise finance against. You must have 6 months trading history and annual revenues of £250,000 or more. Receive funding within 24 hours.
£4,000
£2,700,000
1 Month
1 Year
Ultimate Finance Invoice Financing
Interest rates from 1.5% per month and 36.8%APR. Repay the loan over a term of 12 months and borrow £5 - £100k. No set up fees or early repayment fees. Ltd's and LLP's only. If successful get approval by next working day. Must accept debit card payments.
£5,000
£100,000
1 Month
12 Months
Nucleus Invoice Financing
Get a decision on the same day and your funds if successful within 24 hours. Excellent rates. Use this funding to make your business grow, or for any other business situation. Unsecured and secured loans.
£25,000
£100,000
1 Month
12 Months
Sancus Business Loans
Receive up to 90% of the invoice value within 4 days. One simple fixed price agreed upfront typically ranging from 1.5 – 3% of funds advanced per 30 days. There are no set up, exit or arrangement fees. Minimum £25k maximum £15m.
£25,000
£15,000,000
1 Month
1 Year
Invoice Cycle Invoice Financing
Sign up in less than 5 minutes. If you get approved you'll be provided with a credit limit. You can use the invoices in your account to take a cash advance and cash is normally sent within 1 hour. Funding invoices from £1k - £50k for 1 - 12 months. Apply!
£1,000
£250,000
1 Month
12 Months
HSBC Business Invoice Factoring
Open to start-ups and established businesses with a projected turnover of at least £500k. Get up to 90% of the invoice value the next working day. Arrangement fees apply.
£10,000
£5,000,000
1 Month
1 Year
Satago Invoice Financing
Get 85% of the invoice value. Funding from £500 - £100k for up to 60 days when you get paid. When your client pays you, we release the other 15% minus a small 2 - 4% fee.
£500
£100,000
0 Days
60 Days
NatWest Invoice Factoring
Preferably open to small businesses with a turnover of £250k - £6m. You could get funding of up to 90% of your invoice value within 24 hours.
£10,000
£5,000,000
1 Month
1 Year
Investly Invoice Financing
Upwards of £1k with up to 98.4% paid directly into your account. We offer competitive fees typically 1.65-2.6% on a 30 day invoice. No reserves or hidden fees. Apply today in less than 5 minutes and receive a credit offer. Get funds within 24 hours.
£1,000
£5,000,000
15 Days
120 Days
Spotcap Invoice Factoring
Your business needs to have been trading for at least 2 years and have an annual turnover of at least £250k. Your business also must have a bank account for the money to be transferred to. £10k - £150k for 7 - 15 months.
£10,000
£150,000
7 Months
15 Months
Ashley Finance Invoice Factoring
Open to Ltd's, LLP's, Sole Traders and Partnerships. Must be in England, Scotland or Wales and a personal guarantee will be required. Borrow between £7k - £150k over a period of 6 months - 2 years.
£10,000
£5,000,000
1 Month
1 Year
Lloyds Bank Commercial Invoice Factoring
Must have a turnover of at least £50k pa. Receive up to 90% of your invoice value. Fees and charges do not apply to clients who typically have an annual turnover greater than £25m. Fully confidential.
£10,000
£5,000,000
1 Month
1 Year
Bank Leumi UK Invoice Discounting
Invoice factoring from Bank Leumi. Get £10k - £5m from your invoices that are waiting to be paid.
£10,000
£5,000,000
1 Month
1 Year
Barclays Commercial Invoice Discounting
Using a computerized credit control system. Suitable industries include manufacturers, wholesalers, transport firms, employment agencies, providers of business services. You must be a UK based business. Funding up to 90% of the value of approved invoices.
£10,000
£5,000,000
1 Month
1 Year
Close Brothers Invoice Factoring
Open to businesses with a turnover of £250k - £2m. Service fee of about 0.5 - 2% and discounting fees of 2.5 - 3.5% apply. Send us your invoices and get up to 90% on the same day and get the balance when your customer pays.
£10,000
£5,000,000
1 Month
1 Year
Metro Bank Invoice Financing
Fund anyone from a start-up to Plc, we don't need your first year's accounts. Up to 85% within 24 hours. Leave with 28 days notice. No interest charged while your money clears. You pay interest on the money we advance you (discount fee) and a service fee.
£10,000
£5,000,000
1 Month
1 Year
Positive Cashflow Invoice Discounting
Up to 85% of the invoice value. Completely confidential so your customers don't know our presence. Businesses best suited to our service are ones that have an annual turnover of at least £500k.
£10,000
£5,000,000
1 Month
1 Year
Skipton Business Finance Invoice Discounting
Completely confidential so your customers don't know about our presence. Up to 90% invoice value with the remaining 10% when your customer pays.
£10,000
£5,000,000
1 Month
1 Year
Team Factor Invoice Factoring
Upon receipt of your invoice(s), we will advance up to 90% of the total value the same day as to remove the stress of waiting for 30, 60 or sometimes even 90 days for payment from your client. Team Factors can also offer protection against bad debt.
£10,000
£5,000,000
1 Month
1 Year
Innovation Finance Invoice Discounting
Up to 90% of your invoice value can be in your bank within 24 hours. Usually confidential so your customers don't know about us. 6 month trial period.
£10,000
£5,000,000
1 Month
1 Year
Santander Invoice Financing
We release up to 85% of invoice value and you can track your account online 24/7 with our secure client access service. When your customer pays, we release the other 15% minus a small fee.
£10,000
£5,000,000
1 Month
1 Year

Start Up Business Loans

Lender
Business Loan Offer
Min Loan
Max Loan
Min Term
Max Term
Apply
Start Up Loans
Access funds in as few as 2 days for any business expense. Flexible repayment options adjust to your cash flow. All owners and partners in the business can apply for up to £25,000 each, maximum of £100,000 per business. Fixed rate of 6%pa. No set up fees.
£500
£25,000
1 Year
5 Years
Capital on Tap Start Up Loans
Get a business credit card with a limit of £25k with 0% interest on all card purchases, when the balance is cleared in full each and every month. No monthly or annual fees.
£500
£25,000
1 Year
5 Years
Funding Circle Start Up Loans
We could help your business get access to funding in as little as 7 days. Borrow from £5k to £1mil. Business must have a turnover of £50k+. No early repayment fees. Check to see if you qualify in 30 seconds and get a decision within 24 hours.
£5,000
£1,000,000
6 Months
5 Years
Call Direct0203 468 5922 Enquire
iwoca Start Up Loans
Rates from 2% - 6% per month. Sign up online and get approved in hours. There are no application fees or set-up fees and you can even save money with free early repayments. Open to both UK sole traders and limited companies.Startups limited to £10,000.
£1,000
£10,000
1 Month
12 Months

Commercial Mortgages

Lender
Commercial Mortgage Offer
Min Loan
Max Loan
Min Term
Max Term
Apply
B2Bfinance.com Commercial Property Loans
B2Bfinance.com is able to source competitive commercial mortgages with variable rates from 2.25% over BOE base rate, with up to 75% LTV. Even better there is no broker fee which saves you £500 - £2k! Moneyfacts 2015 'Best Commercial Mortgage Introducer'
£3,000
£40,000,000
1 Month
30 Years
Commercial Finance Group Commercial Property Loans
CFG source funding for Commercial property investments, Residential property developments, Owner Occupied deals. CFG charge a £399 for setting up. Completion fee is 1% of the loan amount. Variable rates from 2.25% and over.
£50,000
£100,000,000
10 Years
20 Years
Nucleus Commercial Mortgages
P2P lender. Must be a UK based company and proven profitability in recent accounts. 3 years trading history minimum.
£25,000
£20,000,000
1 Month
12 Months

Business Loans Explained

What is a business loan?

A business loan is a sum of money (typically between £25,000 and £250,000) that is advanced to support a business in need of finance.
The use of a company loan can vary greatly, from improving cash-flow to major capital investment, research and development, and recruitment and training. This loan can also be used to cover unforeseen future expenses.
By investing in new equipment, training and staff, companies give themselves the opportunity to expand and explore new frontiers.

What is required?

Despite the increasing importance of the accessibility of finance for businesses, banks have become increasingly risk-averse in recent years, emphasizing the importance of a quality application.
A lender will expect to see a detailed business plan which stipulates how the loan will be used. There will also be scrupulous checks of the borrowers’ commercial credit history to allow a lender to judge its exposure to risk.
It's often wise to obtain a credit report on both yourself and your company before applying, as well as company accounts to convince the lender that you will be able to repay the loan punctually.

How are business loans secured?

With a business loan, it is common for the business property to be used as security against the loan. If you fail to make repayments, the building can be taken by the lender as collateral.
For more information on the risks associated with business loans, make sure to seek advice from the lender on the potential consequences in the event of a default.