Business Finance
Business loans from £25,000 to £5m
Money advanced against the strength of your trading, unsecured or secured, drawn in days not months.
- Facility
- £25,000 to £5m
- Term
- 3 months to 6 years
- Speed
- Terms in 24 hours
- Security
- Unsecured or secured
What it is
A business loan is money advanced against the strength of your trading, repaid over a fixed term. Unsecured facilities run up to around £500,000 where the accounts support it. Beyond that, lenders want security, and that is where most owners stop looking too early.
A first or second charge over an investment property, or over a main residence used for a genuine business purpose, opens facilities an unsecured application never reaches. We will tell you the personal guarantee exposure before you apply, not at the offer stage. Decisions turn on turnover, bank conduct and affordability, not a credit score alone, and funds are typically drawn in 3 to 10 working days.
Finance raised must be for business purposes. Borrowing through a business to clear personal debt is a regulated activity and is not something we arrange.
Who it suits
- You need working capital quickly and can evidence turnover rather than assets.
- You want to borrow beyond the unsecured ceiling using property as security.
- You have an adverse credit event and need a lender that prices for it rather than declining.
- You would rather know the personal guarantee position up front than at offer.
Tell us what you need to fund
Four quick details and Reece comes back within one working day.
How it works with us
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds before anything else happens.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named, so you decide before an application goes in.
Lender selection
We place it with the lender on our panel of over 165 that fits the case, not the one that pays us the most. Where a product is wrong for you, we say so.
Drawdown
We manage valuation, legals and conditions through to drawdown, and stay your single point of contact until the funds land.
Common questions
On most unsecured facilities, yes, and we will tell you the exposure before you apply rather than at the offer stage. Secured facilities often reduce or remove the requirement.
Related finance
