Small business loans from £50,001

Fast, affordable small business loans with nothing to pay for 12 months.

  • Unsecured small business loans
  • Borrow up to £250,000
  • Terms from 2 - 5 years
  • Decision typically in 24 hours
  • No upfront or early settlement fees
British Business Bank

The Government-owned British Business Bank is supporting the UK’s small businesses with the Coronavirus Business Interruption Loan Scheme (CBILS). .

Small business loans to keep your business going

Small business loans provide a simple, low-cost way to borrow for your business. You can borrow for working capital, growth or expansion, and you’ll get fixed monthly repayments so you can plan with confidence.

You don’t need to make any repayments for the first 12 months. With rates between 1.4%-8.9% APR, no upfront fee and no interest to pay for 12 months either, a small business loan can be much more affordable than a business overdraft or credit card. You can also borrow unsecured without putting down property or assets as a security, and there’s no fee if you want to pay off your loan early in one go.

How do you qualify for a small business loan?

Qualifying for a small business loan depends on your situation and we take a number of factors into account. Unfortunately, you won’t qualify for a Funding Circle loan if you have been trading for less than three years.

To find out if you qualify for a small business loan apply here.

Are small business loans hard to get?

We’ve made applying for a small business loan fast and hassle-free. You can apply online and you’ll get a decision typically in 24 hours.

How much can you borrow for a small business loan?

At Funding Circle we offer unsecured business loans from £50,001 up to £250,000. Apply now to find out how much you are eligible for.

Small business loans for coronavirus:
  • Boost your cash flow
  • Pay business expenses
  • Help with payroll
  • Pay a one-off cost
  • Grow your business
  • Cover revenue gaps

Pete from Hackney Brewery was able to increase his ale production after taking a £30,000 small business loan to buy a new fermenter. Read more.

How do I apply for a CBILS business loan?

It’s quick and easy to apply online and you’ll receive a fast decision to take your business forward.

  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. Decision in 24 hours

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

  4. Your loan is funded

    Once you accept, we run some final checks to process your loan and deposit the money straight into your account.

Apply now

Here to help if you need us

Our UK-based team are here to help throughout your loan. If you’re already a customer and have been impacted by Covid-19, please give us a call on our dedicated line.

Please note that due to an increase in call volumes, wait times are longer than usual. We appreciate your patience.

Loan enquiries

COVID-19 helpline 0203 966 1186

Business customer support email

Open Mon-Fri, 9am-6pm

By far the quickest and easiest small business loans. Professional service and a personal account manager. We will definitely use Funding Circle again.
Spiral Gymnastics Ltd. - Jan 2016

To help increase stock and upgrade their website, Christine Johnston at The Kite, Surf & SUP Company has taken two small business loans.

Related resources

Learn more about your options for small business loans

Business loan calculator

Find out how much a loan could cost with our business loan calculator.

Learn more

Resource centre

Find guides, tips and more in our dedicated resource centre for small business owners.

Learn more

Business loans

Learn what you can borrow for, how to apply and how we’ll help you with a quick decision.

Learn more

How it works

See how our business loans work and how we can help you go further.

Learn more

Coronavirus loans

Get a government-backed small business loan to help with coronavirus.

Learn more

Secured or unsecured loans

Understand the difference between the two and find the right option for your business.

Learn more
City A.M.
Funding Circle has teamed up with insurance giant Aegon in a small business lending partnership.
City A.M. August 2017

We’re here to help

Contact our team if you have any questions.

0800 048 2467

Need help? Call us.