Business Loans
A business loan provides a lump sum repaid over a fixed term, used to fund growth, working capital or a specific opportunity. Both unsecured and secured structures are available, priced according to the amount involved and the security you can offer.
How it works
- Tell us the amount, the purpose, and whether you can offer security.
- We match your case to lenders suited to your trading profile and the amount involved.
- You review indicative terms — rate, term and any security required — before deciding anything.
- Once you proceed, we manage the application through to drawdown.
Typical terms
| Amount | Unsecured £10k–£500k. Secured £100k–£5m+ |
|---|---|
| Term | Unsecured 1–5 years. Secured 1–15 years |
| Speed to funds | Unsecured 24–72 hours. Secured slower, priced off the security |
| Security | Unsecured: typically a personal guarantee. Secured: priced against the asset or property offered |
| Rate basis | Fixed or variable, set against risk and security |
Indicative only. Actual terms depend on the lender and your circumstances.
What it is used for
Funding a period of expansion ahead of the revenue it will generate.
Hiring or investing in the team before a new contract goes live.
Buying stock in bulk to fulfil a seasonal order or a new account.
Refinancing existing borrowing that is priced more expensively than it needs to be.
Bridging the working capital gap on a contract win.
Who this typically suits
- Businesses with a clear, defined use for the funds and a repayment plan.
- Directors comfortable offering a personal guarantee on an unsecured facility.
- Businesses with property or other assets available to secure a larger facility.
When it is not the right fit
If the requirement is really about unlocking cash tied up in unpaid invoices, Invoice Finance is usually the better fit.
Invoice FinanceIf the business takes a high volume of card payments and needs funding that flexes with turnover, look at Merchant Cash Advance.
Merchant Cash AdvanceIf the funding is for one specific piece of equipment or a vehicle, Asset Finance typically gives sharper terms.
Asset Finance
What to have ready
None of this is required to start a conversation — it simply helps us understand the requirement faster once you get in touch.
- Approximate amount and purpose of the loan
- Recent trading history or management accounts
- Details of any security you are able to offer
- Details of any existing borrowing you may want to refinance
Frequently asked questions
Tell us what you're trying to fund.
No need to select a finance product before getting in touch. Start with a short enquiry and a member of the team will be in touch.