- Unsecured small business loans
- Borrow up to £500,000
- Terms from 6 mths - 5 yrs
- Decision in as little as 5 hours
- No fees for full early repayment
The Government-owned British Business Bank is lending up to £150m to UK small businesses through Funding Circle, alongside thousands of people and other investors.
Small business loans to help you thrive
Small business loans provide a simple, low-cost way to borrow for your business. You can borrow for asset purchase, a specific project or simply for working capital, and you’ll get fixed monthly repayments so you can plan with confidence.
With rates from 1.9% per year, 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 two 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. You can then have the money in your account in as little as 5 days.
How much can you borrow for a small business loan?
Small business loans for almost any purpose:
- Boost your cash flow
- Grow your business
- Refurbish premises
- Cover a one-off cost
- Buy new equipment
- Hire extra staff
Apply for a small business loan
We specialise in small business loans, so you can get the funds to take your business forward in just a few days.
Check if you qualify in 30 seconds
See if you’re eligible without affecting your credit score.
Apply online in 10 minutes
Tell us about you and your business with our simple form.
Decision in 24 hours
If approved, you’ll get a personalised quote typically in 24 hours.
Your funds arrive
Once you accept, you’ll have the money in your account in days.
Here to help if you need us
You’ll get a dedicated account manager you can speak to straight away. They’ll answer any questions and guide you through the process. Just call them directly.
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
Find guides, tips and more in our dedicated resource centre for small business owners.Learn more
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
Working capital loans
Free your cash flow and finance everyday business expenses with a working capital loan.Learn more
Secured or unsecured loans
Understand the difference between the two and find the right option for your business.Learn more