Business Loans
for UK Businesses

We look to getting you your funds as quickly as possible. Provided you supply all the required documents when requested, you can expect decisions within 48 hours of applying and funds within 48 hours of acceptance in most cases.

These timescales depend on the type of loan you are applying for. Secured lending, for example takes longer to complete due to increased paperwork, asset valuations and the involvement of solicitors for legal purposes.

Whichever loan you apply for, you can rest assured that our dedicated team will work as quickly as possible for you.

There is no maximum amount you can apply for. The maximum amount of finance you can apply for will depend on your business financial strength, among other factors.

The most important of these are affordability, credit worthiness and financial stability of your business.

Affordability assessments will look at:

• Credit rating
• Business financial reports, such as accounts, bank statements & management information
• What the funds will be used for and how they will benefit your business

Credit worthiness assessments will look at:

How long you have been established

• Company financial accounts
• Company bank statements
• Existing credit agreements (if any)

If you are applying for secured finance, the amount of equity you have available in the asset(s) being used as security will also be a deciding factor.

We offer loans over 3 months to 5 year terms, depending on the type of loan you apply for.

The majority our loans are available for up to 5 years, while our VAT and tax loans are available for up to 1 year. If you are looking at a secured loan facility the term could be up to 10 years.

Being eligible for the maximum term of 5 years (on an unsecured basis) will depend on your credit worthiness and financial stability of your company.