UK SME Loans up to £500k

Submitting an application will not have an impact on your credit score. We perform soft searches and assess the criteria in the application, which will not affect your credit score.

Yes. You have the option to make early repayments, we won’t charge any additional fees.

As an independent lender our decisions are initially based on the criteria provided within the application form. Whilst we can provide loans and funds at a fast pace, it is important to note that when taking formal security for a loan, this can sometimes involve solicitors and may take longer than loans that do not require formal registrations of legal charges such as debentures. What security we look for and how we apply those requirements as well as how we may structure a loan is often bespoke to our client borrower following direct discussions and consultation.

It takes 5 minutes to apply for our small business loans and in almost all cases you’ll get a decision in 24 hours. Once approved, we aim to have the funds in your bank within 48 hours.

You can utilise your loan to expand your business, which may include increasing your inventory, renovating your premises, hiring extra staff, investing in marketing and sales initiatives or enhancing your overall cash flow to strengthen your business operations.

Should you require additional funds, we can explore the option to increase your loan. We will typically consider this once a portion of your loan has been repaid. An assessment will be carried out within a secondary application.

On simple loans usually not. When security requirements are complicated, there may be some legal or administrative fees, but we will explain about these in advance.

The repayment interest including any fees will be determined by the desired loan amount loan term and risk assessment, calculated at a rate we will confirm to you. We make necessary adjustments to calculate your interest accurately over the specified period. Please note that interest rates are subject to change. The loan calculator is simply a guide and final decisions will reflect the updated rates upon full submission of an application.

No.

In certain circumstances, depending on the business turnover, a personal guarantee may be required.