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These loans require collateral, such as property or other valuable business assets. Businesses eligible for secured loans usually have a good credit history and a solid financial background. Typical lending amounts range from £100,000 to £5 million, with repayment periods stretching from 12 to 120 months and rates typically between 3% and 8% APR. Decision times are usually 2 to 4 weeks due to the collateral assessment. They are commonly used for expansion or major equipment purchases, particularly in manufacturing or construction.

Unsecured business loans are granted based mainly on the business's creditworthiness and financials, without the need for assets as security. Lending amounts typically range from £10,000 to £250,000, with repayment terms of 6 to 60 months and interest rates generally between 5% and 15% APR. Decisions are usually made within 1 to 2 weeks, making them appropriate for meeting working capital needs or short-term cash flow gaps. Common users include retail and service-based companies.

This finance product is available to companies that process card payments and can demonstrate consistent sales. The lender advances an amount, often £5,000 to £300,000, which is then repaid through a fixed percentage of your card transactions over 3 to 12 months. Approval decisions can be as quick as 24 to 72 hours. This is often used by hospitality and retail businesses to fund inventory, marketing, or short-term opportunities.