Business loans
Looking for fair rates
and fast approvals?
We arrange business loans from £5,000 to £1 million, with repayment options tailored to your needs. Fast decisions from a whole-of-market panel.
Example facility
£100,000
over 36 months
Estimated monthly repayment
£3,156.75
Loan amount
£100,000
Term
36 months
Est. rate
8.5%
Total interest
£13,643
Total repayable
£113,643
Free · 90 seconds · No credit check
- Average decision From application to offer
- 24hrs
- Maximum loan size Unsecured & secured options
- £1m+
- Lenders compared Whole-of-market panel
- 90+
- Month terms Range across all loan types
- 6-72
Our funding solutions
The right funding
for every business
We compare 90+ lenders to find the best fit, whatever the funding type or sector.
Unsecured Business Loan
Fast, flexible funding without the need for security. Ideal for working capital, growth investment, or managing cash flow gaps. Decisions typically within 24-48 hours.
£5k - £1m
Secured lendingSecured Business Loan
Access larger amounts at lower rates by securing lending against business or personal assets. Suitable for significant investment or acquisition.
£100k - £5m+
Short-termWorking Capital Loan
Short-term funding to bridge gaps, cover operational costs, or take advantage of a time-sensitive opportunity. Typical terms 3-12 months.
£10k - £250k
Spread your billsTax Loan
Spread your VAT or corporation tax over manageable monthly payments instead of paying in one lump sum. Typically 3 months for VAT, up to 12 months for corporation tax.
£5k - £250k
FlexibleRevolving Credit Facility
Draw, repay, and reuse a pre-approved credit line. Only pay interest on what you use, ideal for ongoing or unpredictable funding needs.
Bespoke
Tell us about your business and we'll recommend the best structure.
Get a recommendationHow it works
From application
to funded, fast
A business loan provides a lump sum of capital repaid in fixed monthly instalments over an agreed term.
Tell us what you need
Share the loan amount, purpose, and your basic business details. Takes under 2 minutes.
We search 90+ lenders
Our team identifies the most suitable lenders for your circumstances and negotiates the best terms.
Receive your options
We present clear, comparable loan offers. No jargon, just the rate, term, and monthly cost.
Funds in your account
Once approved, funds can usually be released quickly, often within 24-48 hours of final sign-off.
Enquiry submitted
Day 0Basic business details received
Lender search complete
Day 090+ lenders assessed
Offers presented to you
Day 13 tailored options ready to review
Application submitted
Day 1-2Chosen lender processing
Approved & funded
Day 2-3Funds released to your account
Example facility approved
£150,000
18-month term · 7.9% APR · £9,200/month
Decision time
48hrs
Why choose SBF
Better rates. Better service.
Better outcomes.
Whole-of-market access
We compare 90+ lenders to find the most competitive facility for your business, not just the ones we happen to know.
Completely independent
We're not tied to any lender or product. Our advice is based entirely on what's right for your business, not commission.
Fast, professional turnaround
We move quickly without cutting corners. Most clients receive their first funding options within 24 hours of enquiry.
Who can apply
Eligibility
Business loans are available to a wide range of UK businesses. Lenders typically consider:
UK registered business
Limited company, LLP, sole trader, or partnership.
Trading 6+ months
Most unsecured lenders require at least 6 months of trading history.
Turnover £50k+
Annual turnover of at least £50k for most unsecured facilities.
All sectors considered
Construction, manufacturing, recruitment, healthcare, retail and more.
Adverse credit considered
We work with specialist lenders who consider County Court Judgments (CCJs) and adverse credit history.
Apply in seconds
Tell us about your business and the funding you need. We'll come back with real options within one working day.
Get started
Ready to secure
your funding?
Speak to an expert today. No credit check, no obligation, just straight, independent advice on your funding options.
0330 0438 011Mon-Fri, 8:30am-6pm · Always free to call