Business Loans – Fast Funding for Your Growing Business
Borrow anywhere between £10k and £5m. Get a decision in 24 hours.
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Unlock your business potential with flexible financing solutions that preserve cash flow while giving you immediate access to essential business equipment.
Introduction to Business Loans
A business loan is a flexible financing solution that enables businesses to borrow money from financial institutions, such as banks, credit unions, or even government-backed programs. Whether you need funds to cover day-to-day expenses, invest in new equipment, or launch a new venture, a business loan can help meet a wide range of business needs. There are several types of business loans available, including unsecured business loans, secured business loans, and startup business loans, each designed to suit different stages and goals of your business.
To apply for a business loan, you’ll typically need a business account, a business plan, and a good credit history. We will assess your application based on your business details, creditworthiness, and the purpose of the loan. By understanding the different types of business loans and preparing the necessary documentation, you can borrow money to support your business’s growth and success
Why Choose Our Small Business Loans?
Fast Approval In 24-48 Hours
Access the funding solutions designed specifically for UK businesses like yours, with terms that make sense for real-world business needs. Get the funds you need without delays, so you can seize new opportunities and keep your business moving forward.
Competitive Fixed Rates
Enjoy peace of mind knowing your repayments won’t fluctuate. With our fixed-rate loans, you can plan ahead confidently, manage cash flow more effectively, and focus on growth without worrying about changing interest costs.
Flexible Loan Amounts
Whether you need a small boost to cover short-term expenses or a larger sum for expansion, our loans are tailored to your business needs. We provide flexible funding options designed to support companies at every stage of growth.
No Early Repayment Penalties
Take control of your finances with the freedom to repay early without hidden fees or penalties. If your business performs better than expected, you’ll save on interest and close your loan sooner, keeping more money in your pocket.
What We Do
Tailored commercial finance, supporting the growth of your business.
We help UK businesses access fast, flexible funding through a range of solutions including Business Loans, Equipment Finance, Invoice Finance and Vehicle Finance.
Equipment Finance
If you are ooking to make new equipment or machinery purchases but don't want to damage your cash position then equipment finance is for you. Purchase the equipment your business needs and spread the repayments over a flexible term.
Business Loans
Get a cash injection for your business and use the funds for any business related purpose, like PAYE, VAT or even corporation tax. You can spread your repayments over 1 - 6 years and if you settle your loan early, the remaining interest is wiped.
Vehicle Finance
Purchase new or used commercial vehicles on finance with The Business Finance Group. Get rates cheaper than the dealership and have your finance approved within 24 hours.
Debt Consolidation
Consolidate your finance agreements into one, making your monthly repayments easier to manage whilst achieving a better interest rate.
Invoice Finance
Are unpaid invoices damaging your cash position? Invoice finance can not only improve your cash position but take the stress away from running your business. Especially if your customers are on 60/90 day payment terms.
Asset Finance
Looking to invest in business-critical assets without draining your cash reserves? Asset finance lets you acquire vehicles, equipment or technology by spreading the cost over time, whether you’re expanding your fleet, upgrading IT systems or investing in machinery.
How Our Business Loan Process Works
Experience a straightforward application process that respects your time and gets you funded fast.
Step 1: Quick Online Application
Complete our 10-minute online application with basic business details and financial information.
Step 2: Instant Rate Check
Get your personalised quote and annual percentage rate without affecting your credit score. See exactly what your monthly repayments will be with our loan calculator. Please note, a credit check is required as part of the application process to assess eligibility.
Step 4: Funds Transfer
Money deposited directly into your business current account, typically within 48 hours of approval. No waiting for cheques or complicated fund transfer processes.
Get the Capital You Need to Transform Your Business Dreams into Reality
Cash flow challenges, expansion opportunities, and urgent equipment purchases don’t wait for convenient timing. As a business owner, you understand the frustration of traditional bank lending with complex applications, lengthy approval processes, and rigid qualification criteria. Whether you’re seeking a small business loan for working capital or substantial funding for major expansion, our business loans provide the solution to unlock your growth potential and seize market opportunities before competitors do.
What Makes Our Business Loans Different?
Beyond competitive rates and fast approval, we offer unique advantages that set us apart from traditional financial institutions.
No Personal Guarantees Required
Many unsecured business loans are available without putting your home or personal assets as security for the debt. An unsecured business loan typically offers flexible loan amounts and repayment terms, without requiring collateral.
Bad Credit Considered
Individual credit assessment means poor credit rating doesn’t automatically disqualify your application for alternative finance options. Every application is reviewed on a case-by-case basis, meaning even with a poor credit history you could still qualify for tailored funding solutions.
Government-Backed Options
Access Start Up Loans and free mentoring support for new business owners. Through government initiatives like Start Up Loans, you’ll have access to affordable finance, plus mentoring and guidance to help new business owners grow with confidence.
Industry Expertise
Nearly 20 years experience helping UK businesses secure the right funding solutions, from asset finance to working capital, ensuring you get practical, effective solutions that drive results.
Business Loan Options & Interest Rates
Choose from our range of business loans designed for different business needs and circumstances. We can offer:
Small Business Loans
Flexible funding tailored to help SMEs cover everyday expenses, manage cash flow, and invest in growth opportunities without the lengthy processes of traditional banks.
Growth Capital Loans
Designed for ambitious businesses ready to scale, these loans provide the capital needed for expansion, new hires, marketing campaigns, or equipment upgrades.
Commercial Property Loans
Whether buying, refinancing, or renovating business premises, these loans give you the financial backing to secure and develop the property your company needs.
Start-Up Loans
Aimed at new ventures, start-up loans give entrepreneurs the initial funding they need to get their business off the ground with manageable repayment terms.
Repayment Terms and Fees;
When considering a business loan, it’s important to understand the repayment terms and fees involved. Most business loans require fixed monthly repayments, which include both the principal and the interest. The annual interest rate and fixed rate cost of your loan will determine how much you pay each month, and you can use a loan calculator to estimate your monthly repayments and total cost over the loan term.
Before you apply for a business loan, consider your business’s cash flow and financial situation to choose a repayment schedule that fits your needs. By selecting the right loan term and understanding all associated fees, you can manage your debt effectively and keep your business on track for growth.
Apply Online to Get Your Business Loan Today
Stop waiting for the perfect moment, secure the funding your business needs now with our risk-free application process.
No impact on credit score to check rates. Free to apply. No obligation quote.
FCA Regulated | Trusted by Thousands of UK Businesses | Secure Application Process
Prefer to speak with someone? Call our business finance experts today
Frequently asked questions
How quickly can I get approved for a business loan?
Most business loan applications receive an approval decision within 24 to 48 hours, making it one of the fastest ways to access funding for urgent business needs. Once approved, the funds are typically transferred directly into your business current account within 1–2 working days, meaning you can get started on your plans without unnecessary delays.
Unlike traditional high street banks that may take weeks to review documents and reach a decision, we streamline the process through a quick online application, soft credit checks for rate viewing, and rapid underwriting. Whether you’re seeking a small business loan, funding for equipment purchases, or working capital, our approval timelines are designed to support UK business owners who need fast, flexible finance without red tape.
What if my business has poor credit history?
Having a poor credit history doesn’t automatically disqualify you from securing a business loan. We perform a personalised credit assessment that looks beyond your credit score to consider your current cash flow, revenue trends, and overall business health. In many cases, we’ve helped businesses with adverse credit, CCJs, or historical defaults obtain funding by focusing on their real-time trading performance and future potential.
While interest rates may be slightly higher to reflect increased risk, we work with a network of lenders who specialise in bad credit business loans, meaning you’re more likely to find a suitable offer than through traditional banks. We can also guide you toward unsecured loan options that do not require personal guarantees, offering greater flexibility for businesses rebuilding their financial position.
Can I repay my business loan early without penalties?
Yes, most of our business loan products allow early repayment without penalties, giving you the flexibility to reduce interest costs and settle your loan when it suits your business. If you’re on a variable rate loan, you can usually make lump-sum or full repayments with no extra charges. This can be a great way to save on interest and shorten your loan term.
For fixed rate loans, there may be a small early repayment fee, but this will be clearly outlined in your loan agreement before signing. Additionally, some agreements offer the option of a repayment holiday, allowing you to temporarily pause repayments if your cash flow becomes tight. However, it’s important to note that interest will continue to accrue during any payment break, increasing the total amount repayable over time.
Early repayment flexibility is one of the reasons our loans are so popular with growing businesses that want to retain control over their finances and avoid long-term debt commitments.
What documents do I need to apply for a business loan?
To apply for a business loan, you’ll typically need a few basic documents to verify your trading activity and support your application. These include:
3–6 months of business bank statements to demonstrate revenue and cash flow
Your business registration details (e.g., Companies House number or sole trader information)
Valid proof of ID (e.g., passport or driving licence) for the business owner(s)
Basic information about your business, such as turnover, trading history, and loan purpose
A brief business plan or funding proposal (optional for small loans, but helpful for higher amounts)
These documents help us or the lender perform a fair credit and affordability assessment. If you’re applying for a startup business loan, you may also need a projected cash flow forecast or a more detailed business plan, particularly for government-backed options such as the Start Up Loan Scheme.
How do business loan interest rates compare to business overdrafts?
In most cases, business loans offer significantly lower interest rates than business overdrafts, especially for larger loan amounts and longer repayment terms. While overdrafts provide short-term flexibility, they often come with higher APRs (annual percentage rates) and additional fees for usage, renewal, and exceeding limits.
A business loan provides predictable monthly repayments, usually at a fixed interest rate, making it easier to budget and manage cash flow. This stability makes business loans a better option for:
Funding equipment purchases
Hiring staff
Launching marketing campaigns
Expanding into new locations
By using our business loan calculator, you can compare the true cost of borrowing through a loan versus relying on overdraft facilities. If you’re currently using an overdraft to manage working capital, consolidating this into a structured loan could save money and improve your overall financial health.
Facts & Figures
Over 3,000 SME’s Supported
For businesses throughout the UK
We have access to the whole lending market.
Almost all of our customers get their application accepted.
About Us
Tailored Funding, to Support Business Growth
Our team have a passion for helping business owners thrive, grow and achieve their dreams. At The Business Finance Group we make the experience of obtaining finance stress-free, taking care of the whole application process so that you can do what you do best, run your business. Our finance solutions are designed to assist in the growth of your company, for both the short term and long term.
Finance On The Go
Getting Finance has never been easier.
What Our Clients Say
"The Business Finance Group have helped us for years, we would recommend them to anyone"
We work with a handpicked panel of the best funders in the UK.
