Compare Business Loans

  • Business loans are available for companies of all sizes and industries
  • You can compare loan amounts and term lengths in the table below
  • Ensure that you read the loan features to see which loan is right for your needs
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THINK Business Finance
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Call THINK Business Finance today -
  • THINK work with over 200 Commercial Lenders – We can find the right loan for your business
  • Unsecured Business Loans from £10,000 - £1,000,000
  • MINIMUM 6 Months trading History
  • Secured Loans from £25,000 and above
Lines are open: Mon-Fri 8.30am-6pm. Saturday, Sundays & Bank Holidays CLOSED. Calls may be recorded.

You are currently comparing ...

  • Broker
  • THINK Business Finance Loans

    • THINK search over 200 different lenders to find you the cheapest and most suitable options
    • THINK are the UK's leading SME lending Specialists
    • No Business Plan, Forecasts, or lengthy applications. Make the lender work for you

  • Available Amounts
    £10,000 to £1,000,000
  • Available Terms
    1 months to 5 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Unsecured Business Loans from £10,000 - £1,000,000
    • Secured and Commercial Mortgage options
    • Compare all Facility types and sizes to find the best options for your Business
    • Take advantage of exclusive rates and products only available through THINK
    • Free and no obligation service
    • Limited Companies, Sole Traders and Partnerships all welcome to apply
    • Fully regulated by the Financial Conduct Authority
    • No New Start Ups or Outstanding CCJ's
    • Minimum 6 mths Trading History
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  • Funding Circle

    • Fast and simple business loans from £5k to £1 million - without the banks
    • Borrow from a community of thousands of people together with the Government-backed British Business Bank, local councils and universities

  • Available Amounts
    £5,000 to £1,000,000
  • Available Terms
    6 months to 5 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Quick & convenient process
    • Check your eligibility in one minute
    • You'll hear from Funding Circle within two working days of completing your application
    • Loan terms from six months to five years
    • No early repayment charge.
    • Must have 2 years+ filed accounts at Companies House or formally prepared accounts for non-limited businesses
    • Must have a good credit score
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  • Invoice Finance: MarketInvoice

    • If your business is paid on terms, MarketInvoice can help you access your money faster without needing to wait the typical 30 to 90 days for payment.
    • You can get up to 90% of your invoice value advanced within 24 hours.
    • No contracts, no hidden fees.

  • Available Amounts
    £5,000 to £3,000,000
  • Available Terms
    1 to 4 months
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Get £5k to £3m - Advances of up to 90% of your invoice value upfront
    • Fast Funding - Get the money in your account within 24 hours of applying
    • No debt - No need to take on new liabilities
    • No security required - No need to offer company or personal assets
    • Limited or LLP company based in the UK or Ireland
    • Have £100,000+ turnover, filed with Companies House
    • Sell goods or services to other businesses on terms
    • Have at least 12 months of trading history
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  • Yorkshire Bank

    • A range of short, medium and long-term finance solutions
    • Flexibility with a range of financial solutions to suit different circumstances and needs

  • Available Amounts
    £1,000 to £250,000
  • Available Terms
    1 to 15 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • £1,000 to £250,000
    • 1 to 15 years
    • Interest rate subject to negotiation
    • Lending is subject to status and eligibility
    • Security may be required
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  • Clydesdale Bank

    • A range of short, medium and long-term finance solutions
    • Flexibility with a range of financial solutions to suit different circumstances and needs

  • Available Amounts
    £1,000 to £250,000
  • Available Terms
    1 to 15 years
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  • Lender Details

    Application Criteria

    • £1,000 to £250,000
    • 1 to 15 years
    • Interest rate subject to negotiation
    • Lending is subject to status and eligibility
    • Security may be required
    Visit Website
  • NatWest

    • Designed for small business
    • No arrangement fees or security fees

  • Available Amounts
    £1,000 to £25,000
  • Available Terms
    1 to 10 years
  • Call Now
    Call NatWest
    0333 9200 639
  • Lender Details

    Application Criteria

    • Must be over 18 years old
    • Security may be required
    • Product fees may apply
    Visit Website
  • Broker
  • Funding Options

    • Compare dozens of lenders across the whole market to get the loan that fits your business best
    • Experienced finance specialists on hand to help you through the process
    • Selected by HM Treasury to help firms like yours

  • Available Amounts
    £1,000 to £10 million+
  • Available Terms
    1 month to 15 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Find the right finance from more than 50 of the UK's leading lenders, whether you want to raise £1,000 or £10million.
    • The Government-backed British Business Bank chose Funding Options to help businesses find finance when they haven't been successful with the big banks (Bank Referral Scheme).
    • Limited Companies, LLP or Sole Trader accepted
    • Applicants must be aged 18 and over
    • Guarantees and Indemnities may be required
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  • Spotcap

    • Company must have been trading for at least one year with annual turnover above £250k
    • Robust credit assessment
    • No costs involved until you draw down funds
    • Transparent pricing without hidden costs

  • Available Amounts
    £10,000 to £150,000
  • Available Terms
    1 to 15 months
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Focus on SMEs
    • Very experienced team
    • We use a unique and proprietary algorithm
    • Active in multiple countries
    • FCA regulated and serious about security
    • Companies must be based in the UK
    • Must be trading for at least one year
    • Must operate a UK business bank account and have a turnover above £250k in the last 12 months
    Visit Website
  • iwoca

    • Flexible credit facilities from £1,000 - £100,000
    • Apply in minutes with no commitment
    • No paperwork and no hidden fees

  • Available Amounts
    £1,000 to £100,000
  • Available Terms
    0 to 12 months
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • All sectors considered
    • UK businesses only
    • Startups are eligible for a maximum of £10,000
    • Sole-trader, partnership or limited company
    Visit Website
  • Fleximize

    • Industry-leading flexibility, including penalty-free early repayments, top-ups, and repayment holidays
    • Receive funding in as little as 48 hours

  • Available Amounts
    £1,000 to £200,000
  • Available Terms
    1 month to 2 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Only lends to Limited Companies and Limited Liability Partnerships
    • Industry-leading flexibility, including penalty-free early repayments, top-ups, and repayment holidays
    • Quick and easy application process
    • A dedicated relationship manager to help you find the right solution for your business
    • Must have at least 6 months trading history
    • Must have a minimum of £10,000 average monthly revenue
    • Applicant must be a director of the business
    • Must have reasonable gross margin on your product - above 20%
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  • Broker
  • LDF

    • Lender and Finance Broker
    • Same day decisions and payment
    • Electronic Signature Documents

  • Available Amounts
    £2,000 to £250,000
  • Available Terms
    3 months to 5 years
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Well-established funder and credit broker for business loans and equipment leasing
    • A consultative approach to finance
    • Must not be in an IVA, CVA or Bankrupt
    • Loans are not available to Sole Trader (Non Home Owners)
    Visit Website
  • Growth Street - Growthline

    • Peer-to-Peer marketplace platform
    • Pay-as-you-go flexibility means you only pay for what you use
    • No early repayment fees or charges
    • Have money in your account in 2 hours

  • Available Amounts
    £1,000 to £500,000
  • Available Terms
    1 day to 12 months
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Peer-to-Peer marketplace platform
    • Growthline - secured access, up to £500,000 of working capital finance, with no up-front costs
    • Must be a Limited Company registered in the UK (not LLP or Sole traders)
    • Must have more than 15 months trading history
    • Must have filed at least one set of accounts with Companies House
    • Must use accounting software (e.g. Sage, Xero, FreeAgent, etc)
    • Directors and shareholders must be UK residents
    Visit Website
  • Liberis - Business Cash Advance

    • Supported by the UK Government-owned British Business Bank Investments
    • The UK's first provider of the Business Cash Advance
    • Pay back an agreed % of your customer card transactions

  • Available Amounts
    £2,500 to £300,000
  • Available Terms
    4 to 12 months
  • Visit Website + More Information
  • Lender Details

    Application Criteria

    • Pay back through your customer card transactions
    • One cost that never changes
    • Only pay at a rate your business can afford
    • Your business must have been trading for at least 4 months
    • You must have at least one card terminal (chip and PIN machine)
    • You must take at least £2,500 per month in card transactions
    Visit Website
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Business Loans FAQ

Business loans are a form of finance designed for companies in need of financial capital, whether they need the money to make their entrepreneurial ideas a reality, or to expand the next stage of their operations. These loans can range anywhere from a few thousand to hundreds of thousands of pounds.

Business loans are available in both secured, and unsecured terms. While unsecured options allow for more peace of mind within the business, as you're not borrowing against the assets of your company, secured loans generally permit lower interest rates and cheaper financing solutions for organisations with tight budgets. There are also short-term and long-term business loans to choose from depending on your company's specific needs.

Below are some of the most frequently asked basic questions about business loans. Just click on the question headings to see the answer.

Who Are Business Loans For?

Business loans exist as an option for almost any kind of business - regardless of how big or small that company may be. Though business finance is usually required by limited companies, it can also be a requirement for small, sole-traders too.

To apply, you need only be a UK-resident, aged 18 or older, and not currently bankrupt or taking part in a debt arrangement scheme.

Where Can I Get a Business Loan?

Commonly, business loans are provided by banks. Many companies will talk to the bank that they conduct their day to day business with as a first port of call before enquiring with other providers. Comparing and contrasting different lenders will help you to get the best deal.

Do Business Loans Require Credit Checks?

Yes. All business loans will require a credit check. Though credit checks won't necessarily be carried out on the shareholders or directors of the business, banks will still need to determine the ability of a business to make repayments, and therefore your company's credit check will impact the terms and interest rates that you are offered.

For established businesses, it is the company's records that are the focus of attention. However, some lenders will check the personal credit rating of the owners too, particularly in the case of a start-up business which does not yet have any financial history.

What is a Start-Up Loan?

A Start-Up Loan is a type of business loan that can be used to help you get your business off the ground. This type of loan is given for the purpose of business, and applications are considered according to the needs of the company in question.

Should I Get a Long-Term or Short-term Business Loan?

The question of whether to get a long-term, medium-term, or short-term business loan can only be answered with a close consideration of your own personal circumstances. For instance, a medium to long-term business loan can help to offset some of the costs associated with starting a business, while keeping your monthly repayments low by spreading costs over a longer period of time.

Some businesses find that long-term loans are better for helping them get their business up off the ground.

On the other hand, short-term loans can help to reduce the amount of interest that you end up paying overall by speeding up repayment.

How Much Interest Will I Pay?

The amount of interest that you should expect to pay on a business loan will depend largely on your personal circumstances, as well as a number of factors, including how much you'd like to borrow, and the amount of time you would like to borrow the money for.

If your business is just starting out, then the lender you choose to work with will usually look at your personal credit rating for an indication of your responsibility in managing money as well as your business plans.

The higher your credit score is, the better chance you'll have of being offered a competitive rate of interest.