Compare ^{Bad Credit Business Loan} Options Up To £150k

Secured business loans allow UK SMEs to access funding by using assets such as equipment or property as collateral. Even with weak credit, businesses can secure from £10,000 up to £500,000, provided they can prove ability to repay. Terms range from one to ten years, with rates between 5% and 15%, depending on asset quality and business health. This type is often used for expansion or significant capital purchases and is especially common in asset-rich sectors like manufacturing or construction.

Unsecured business loans support SMEs that may not have assets for security but can provide recent trading accounts and revenue evidence. Businesses with bad credit may access between £5,000 and £150,000, funded over six to thirty-six months. Interest typically ranges from 10% to 35%. Applications and decisions are generally fast, taking only a few days, making this option suitable for urgent working capital, marketing campaigns, or managing cash flow gaps in service or hospitality sectors.

Invoice financing provides rapid cash by advancing a percentage of outstanding invoices, often up to £150,000 per invoice. Available to companies with creditworthy customers, even if their own business credit is weak, funds are released within 24 to 48 hours. Terms from one to six months and costs are usually 1% to 5% plus any management fees. This is ideal for businesses looking to smooth cash flow between invoice issue and payment, such as those in wholesale, logistics, or consultancy.