Business Loans
From short-term working capital to long-term investment, we can compare secured and unsecured options from our lender panel based on your circumstances.
- One clear enquiry
- No obligation to proceed
- Costs explained upfront
At a glance
- £10k – £5m
- Borrow
- Varies by lender
- Timing
- 3 months – 6 years
- Repayment terms
- 6+ months trading
- Eligibility
- Secured & unsecured
- Security
- Sole traders to Ltd companies
- Suitable for
Business Loans, explained
A business loan gives you a lump sum upfront, repaid in fixed instalments over an agreed term. Use it for almost any legitimate business purpose — stock, staff, refurbishment, expansion or simply smoothing out cash flow.
As independent brokers, we can compare potentially suitable secured and unsecured options from our lender panel and explain the costs before you decide whether to proceed.
Secured Long Term Business Loans
Borrow larger amounts over longer terms at lower rates by securing the loan against business or personal assets.
Secured Short Term Business Loans
Quick access to capital secured against assets, repaid over months rather than years to keep total costs down.
Unsecured Long Term Business Loans
Spread repayments over several years without putting assets on the line — ideal for established, profitable businesses.
Unsecured Short Term Business Loans
Fast, straightforward funding with no security required, perfect for bridging gaps or seizing time-sensitive opportunities.
Property Secured Business Loans
Unlock competitive rates and higher borrowing limits by securing funding against commercial or residential property.
Merchant Cash Advances
Funding secured against your card terminal payments, repaid as an agreed share of daily takings — so repayments flex with your sales.
Why businesses choose business loans
Practical outcomes, not finance jargon — here's what the right facility actually does for you.
A guided application process
Your broker explains the likely documents, lender assessment and next steps. Timings vary by circumstances and lender.
Every option, one enquiry
Secured, unsecured, short and long term — we compare them all, so you don't have to apply lender by lender.
Grow without giving up equity
Invest in stock, staff or premises while keeping full ownership and control of your business.
Clear, fixed repayments
Know exactly what you'll pay each month, with early settlement options if you want to clear the balance sooner.
How it works
One enquiry, one broker, and a clear path from first call to funds in the bank.
- 1
Make an enquiry
Tell us what you need in one concise broker enquiry.
- 2
Speak with your broker
A dedicated expert calls to understand your business and what you want to achieve.
- 3
We compare lenders
Your broker approaches lenders from our panel where their criteria appear to fit.
- 4
Receive your options
Clear, side-by-side offers with every cost explained in plain English.
- 5
Funding completed
Review the available options, costs and next steps before deciding whether to proceed.
Broker enquiry · No obligation · Searches explained before you proceed
Is this right for your business?
Business Loans works hardest in situations like these.
Growing businesses
You've won new work or spotted an opportunity, and need capital in place to deliver it.
Managing cash flow
Cover VAT bills, payroll or seasonal dips without draining the reserves you've worked hard to build.
Established firms with assets
Use property or equipment as security to unlock larger amounts at lower rates.
Don't see your situation?Talk it through with a broker— if this isn't the right product, we'll tell you what is.
Finance brokers who work for you, not the lender
Applying to lenders one by one can be time-consuming. We review your requirements and approach lenders from our panel where their criteria appear to fit, then explain the available options clearly.
A focused route to suitable options
We assess your circumstances and approach lenders from our panel where the published criteria appear to fit.
One enquiry, a panel of lenders
Your broker can compare potentially suitable options without asking you to repeat the same initial information lender by lender.
A dedicated broker, start to finish
You'll deal with one named expert who understands your business and handles the paperwork for you.
Clear before you proceed
Any fees, commission arrangements and lender credit searches will be explained before you choose whether to continue.
Business Loans questions, answered
The questions business owners ask us most about this type of funding.
How much can I borrow with a business loan?
Typically between £10,000 and £5 million, depending on your turnover, trading history and whether the loan is secured. As a rule of thumb, unsecured lending is usually capped around one to two months of turnover, while secured loans can go much further. Your broker will give you a realistic figure before you apply.
What's the difference between a secured and unsecured loan?
A secured loan is backed by an asset — usually property or equipment — which generally means lower rates, longer terms and larger amounts. An unsecured loan doesn't require an asset, so it's faster to arrange, but most lenders will ask for a personal guarantee from a director instead.
Can I get a business loan with bad credit?
Often, yes. We work with lenders who look at the full picture — trading performance, card takings and bank activity — rather than just a credit score. A merchant cash advance, which is repaid from your card sales, can also suit businesses with an imperfect history.
Can I repay a business loan early?
Most lenders allow early settlement, and many now charge no early repayment fees at all — meaning you only pay interest for the time you actually borrowed. Your broker will confirm the early settlement terms of any offer before you accept it.
What documents do I need to apply?
To get an indicative decision, usually just your business name and how much you'd like to borrow. To complete, most lenders ask for 3–6 months of business bank statements and your latest filed accounts. Your broker handles the paperwork with you.
How does a merchant cash advance differ from a loan?
Instead of fixed monthly instalments, a merchant cash advance is repaid as an agreed percentage of your daily card takings. You repay more when trade is strong and less when it's quiet, which makes it popular with hospitality and retail businesses.
Still have questions?Speak to a broker— it's free and there's no obligation.
Ready to move your business forward?
Send one clear funding enquiry or contact a broker to talk through what your business needs. There is no obligation to proceed.
Broker enquiry · No obligation · Options explained before you proceed