Business loans and finance in London.
Funding enquiries from London businesses, assessed around trading performance, purpose and existing commitments.
How we look at London businesses
London businesses carry a cost base that few other UK cities match. Rent per square foot, London weighting on wages and business rates all sit above the national picture, so a facility that looks comfortable in a smaller city can be tight in Zone 1. We read affordability against what a London operator actually pays out each month, not a national average.
We see enquiries across the City and Canary Wharf professional base, the Soho and Shoreditch hospitality trade, Hackney and Peckham independents, and the logistics and wholesale businesses ringing the North Circular. Card-heavy and seasonal trading patterns are common here and are treated as normal, not as a red flag.
Everything is handled online. A London business can complete an enquiry, share bank or card settlement data, and receive written terms without visiting an office. Timing depends on the strength of the file, the information requested, verification and signed documents.
Areas covered
Postcode areas
Sectors funded here
Funding options for London businesses
An advance repaid as an agreed share of future card receipts.
Learn moreRepayments calibrated to top line cash receipts rather than a fixed debit.
Learn moreFixed repayments over a set term, typically 3 to 24 months.
Learn moreShort term working capital without security over property.
Learn moreRelease cash tied up in unpaid customer invoices.
Learn moreSpread the cost of equipment, machinery or vehicles.
Learn moreBusiness funding in London, common questions
How much can a London business borrow?+
Facilities run from £5,000 to £5,000,000, subject to status and underwriting. The amount offered to a London business depends on trading history, receipts, the purpose of the funding and existing commitments rather than a fixed local limit.
Do I need to visit an office in London?+
No. The enquiry, document sharing and signing are all completed online, so there is nothing to attend in person. That matters for owner operators who cannot leave a site during trading hours.
Do you fund London businesses that trade from a shared or serviced address?+
Yes. Serviced offices, shared kitchens and managed workspace are common in London and do not rule a business out. Underwriting looks at trading history, receipts and existing commitments rather than the type of premises, though we may ask for a licence or membership agreement to confirm the operating address.
What information do London businesses need to provide?+
Typically business details, recent bank statements or Open Banking access, card settlement data where the business takes card payments, and details of any existing finance. Further information may be requested depending on the facility size and purpose.
Can a London business apply after being declined by its bank?+
Yes. A bank decline does not prevent an enquiry. Assessment considers current trading performance, the purpose of the funding and existing commitments, so businesses that do not fit standard bank criteria are still reviewed on their own merits.
Nearby and related areas
London sits within our Greater London coverage. Browse other places we fund.
When the bank says no, we take a closer look.
A short enquiry, then a real review of how your business trades.