Structured capital for the long view.
A fixed-term business loan with predictable monthly repayments. Plan with confidence, deploy capital with intent, and know exactly what you owe and when.
Business loans suit owners with a clear plan for the capital, a refit, a hire, an acquisition, or a strategic investment that pays back over months and years, not weeks.
You receive the full amount as a lump sum and repay in equal monthly instalments at a fixed rate, so cash flow planning becomes straightforward. Most applications are decided within hours and funded the same working day on acceptance.
Best suited for
- Expansion, refurbishment or fit-outs
- Asset purchase or strategic stock investment
- Hiring, marketing or M&A activity
- Refinancing existing, more expensive debt
How it works
Tell us the basics
Amount, term you have in mind, and a few details on the business. Two-minute soft check.
We structure the offer
A real underwriter reviews your file and we present terms you can compare like-for-like.
Sign and draw
Accept your offer digitally and funds typically settle into your business account the same working day.
Eligibility at a glance
A short list of what we typically look for. Most UK limited companies and partnerships qualify.
- UK-registered limited company or LLP
- Trading for at least 6 months
- Minimum £10,000 monthly turnover
- A UK business bank account
- Director ID and 3–6 months of bank statements
- No active formal insolvency proceedings
Built on the same controls you’d expect from your bank.
We hold ourselves to the standards UK regulators expect of consumer finance, even though commercial lending sits outside the FCA perimeter.
Data controller no. ZB984210. Handled to UK GDPR standard.
Bank-grade transport security on every page and submission.
Read-only access via FCA-authorised providers. Revoke any time.
Funds flow through ring-fenced UK banking facilities.
Eligibility checks leave no footprint on your credit file.
No exit penalties on most products. Costs disclosed up front.
Frequently asked
How are rates calculated?
Rates are based on the strength of your trading history, sector, term length and amount requested. We'll quote a fixed rate up front, what you see is what you pay.
Are there early-repayment fees?
On most of our business loan products there are no penalties for settling early. Where any apply, they're shown clearly on your offer.
Will a personal guarantee be required?
It depends on the amount and your business's trading profile. For larger facilities a director's guarantee is common. We'll be clear about this before you sign.
Can I use the funds for anything?
The capital must be used for legitimate commercial purposes. Beyond that we don't restrict how you deploy it.
Ready to see what you qualify for?
It takes two minutes and there’s no impact on your credit score.
Start eligibility check