What is a business loan?

A business loan is money lent to a business that is specifically intended for business purposes that must be repaid over a period of time with added interest.

What’s the difference between a business loan and a personal loan?

A business loan is intended for business use only such as buying stock or upgrading equipment, whereas a personal loan is intended for personal use, such as financing a car or making home improvements.

Types of business loans

Business loans can take different forms and provide specific needs for specific types of businesses and business needs. Types of business loans include:

  • Recovery Loan Scheme (RLS)
  • Unsecured Business Loans
  • Working Capital Loans
  • Company Loans
  • Self Employed Loans
  • Asset Finance

How to apply for a business loan?

It’s quick and easy to apply for a small business loan online and our support team is on hand if you have any questions.

  1. Check if you qualify in 30 seconds

    See if you’re eligible without affecting your credit score.

  2. Apply online in 10 minutes

    Tell us about you and your business with our simple application.

  3. Get your decision

    If approved, you’ll receive a no-obligation, personalised quote.

  4. Funds paid typically within 24 hours

    Once you accept, we deposit the money into your account usually the next working day.

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Build the future your way with an affordable business loan

A small business loan can be much more affordable than a business overdraft or credit card. You’ll get fixed monthly repayments so you can plan with confidence and there’s no fee if you want to pay off your loan early in one go.

Our simple loan application process means you can stay focused on running your business, and you can speak to our team of UK-based Account Managers if you need any assistance.

  • Boost your cash flow
  • Pay business expenses
  • Help with payroll
  • Manage uncertainty
  • Grow your business
  • Cover revenue gaps

Unsecured Business Loans to keep your business moving forward

Unsecured business loans provide a simple, low-cost way to borrow for your business. Access finance of £10,000 to £500,000 for working capital, growth or expansion, with fixed monthly repayments that will help you plan with confidence.

What is an unsecured loan?

Unsecured loans allow you to borrow without giving security on any business assets, such as property or equipment. They’re a quick and easy way to get an affordable cash injection for your business.

To find out if you qualify for an unsecured business loan apply here.

  • Less complicated than secured loans
  • Invest in your business
  • Refurbish premises
  • Manage uncertainty
  • Buy new assets
  • Cover expenses

Business loans for small business owners

Our self employed loans provide a simple, low-cost way to borrow money for your business and with fixed monthly repayments it is easy to plan for the future.

What does it mean to be self-employed?

Being self-employed means that you work for yourself, rather than working for an employer, which gives you more freedom to choose a way of working that’s right for you.

Types of self-employment loans

There are three types of self-employment that each have different benefits:

Sole trader loans:A self-employed sole trader is the simplest way to start your own business. Sole traders work on their own and are personally liable for any loans or debts.

Partnership loans:A self-employed partnership is a minimum of two people that share responsibility for a business. Each person’s income and liability is proportional to their share in the business.

Limited company loans: A limited company is when the business is a separate legal entity from the owners. The company itself is liable for any loans or debt, rather than the owners having to be personally liable.

To find out if you qualify for a self employed loan apply here.

  • Boost your cash flow
  • Pay business expenses
  • Help with payroll
  • Manage uncertainty
  • Grow your business
  • Cover revenue gaps


We will take care of your accounting and administrative services.

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