Business finance
Find the funding that fits.
Every business borrows differently. Explore the main routes we arrange, or skip the reading: tell us what you need and an adviser will point you to the right one.
Business loans
Borrow a lump sum and repay it in fixed instalments. An adviser looks across our panel, explains what each offer really costs and helps you choose with confidence.
- Borrow
- £1k–£1m
- Repay over
- 3–72 months
Unsecured business loans
An unsecured loan isn’t tied to your premises, home or equipment. We’ll help you understand what lenders ask for instead, and find the ones that suit your business.
- Borrow
- £1k–£1m
- Repay over
- 1–60 months
Merchant cash advance
Get an advance against your future card sales and repay a small share of each day’s takings. On quiet days you repay less; on busy days, more.
- Borrow
- Up to £750k
- Repaid
- From card sales
Revolving credit
A revolving credit facility gives your business a set limit. Draw what you need, repay it, and the funds are there again next time.
- Limit
- £1k–£1m
- Pay interest on
- What you use
Invoice finance
If your customers take 30, 60 or 90 days to pay, invoice finance releases most of an invoice’s value now, so you can keep the business moving.
- Release
- Up to 90%
- For
- B2B invoices
VAT and tax loans
A VAT or tax loan pays your bill to HMRC on time, then you repay in instalments over a few months, keeping cash in the business when you need it most.
- Borrow
- Your bill
- Repay over
- 3–12 months
Short-term loans
A short-term loan is repaid over months rather than years. It suits a specific need with a clear end, such as stock for a busy season or a gap before a contract pays.
- Borrow
- £1k–£750k
- Repay over
- 3–12 months
Fast business funding
Some lenders on our panel can decide quickly, sometimes within a day. What makes the biggest difference is a well-prepared application sent to the right lender first, which is exactly what an adviser does.
- Borrow
- £1k–£1m
- Fastest route
- Open banking
At a glance
Compare the routes.
Ranges reflect lenders on our panel. What you’re offered depends on your business and the lender.
| Route | Borrow | Repaid | Best for |
|---|---|---|---|
| Business loans | £1k–£1m | Fixed instalments | Planned investment and growth |
| Unsecured business loans | £1k–£1m | Fixed instalments | Borrowing without security |
| Merchant cash advance | Up to £750k | A share of card sales | Card-taking businesses with uneven sales |
| Revolving credit | £1k–£1m | Each drawdown, over time | Ongoing cash flow headroom |
| Invoice finance | Up to 90% | When your customer pays | Firms waiting on B2B invoices |
| VAT and tax loans | Your bill | Fixed, over a few months | VAT and corporation tax bills |
| Short-term loans | £1k–£750k | Daily, weekly or monthly | A specific need with a clear end |
| Fast business funding | £1k–£1m | Depends on the route | When timing matters |
Not sure where to start?
That’s what advisers are for.
Most businesses don’t know which route suits them, and they shouldn’t have to. Tell us what you need the money for and how your business earns, and we’ll explain the options that fit, including the ones you hadn’t considered.
Your next move starts with a clearer view.
Tell us what you need. We'll show you the routes that fit your business and help you take the next step.