Capital for the windows that won't wait.
A lump sum, no asset security, repaid over a short window. Built for the moments where the right answer is yes, fast, and you need a partner who can keep pace.
Unsecured short term loans are designed for time-sensitive opportunities, a stock buy at a discount, an unexpected tax bill, a bridging period before a contract pays out, an emergency repair that can’t wait.
Because the term is short, the total cost stays low and predictable. You repay in fixed weekly or monthly instalments and the facility settles itself well before it gets in the way of your next move.
Best suited for
- Stock or inventory opportunities
- VAT, PAYE or corporation tax bills
- Bridging a delayed payment or contract
- Emergency repairs or replacements
How it works
Tell us the amount and timeline
We’ll match the term length to the use case so the loan settles itself when it should.
Quick decision
Most short-term applications are decided within two hours during business hours.
Funds the same day
Sign digitally and we’ll usually have funds in your business account within hours of acceptance.
Eligibility at a glance
A short list of what we typically look for. Most UK limited companies and partnerships qualify.
- UK-registered limited company, LLP or sole trader
- Trading for at least 6 months
- Minimum £5,000 monthly turnover
- UK business bank account
- Recent bank statements (3–6 months)
- No active formal insolvency
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
Do I need to put up any security?
No. The loan is unsecured against business assets. A director’s personal guarantee is standard on most short-term facilities and we’ll always be clear up front.
What does ‘short term’ mean?
Anywhere from 1 to 18 months. Shorter terms suit bridging-style uses; longer terms suit stock cycles and tax-bill spreads.
How quickly will I be funded?
Most applications submitted before midday are decided the same day and funded the same working day on acceptance.
Are there penalties for paying off early?
Most of our short-term products carry no early-settlement penalty. If any do, it’s shown clearly on your offer.
Ready to see what you qualify for?
It takes two minutes and there’s no impact on your credit score.
Start eligibility check