FINANCE OPTIONS

^£850K Business Loans - Apply Now

Q: How much can I borrow with a business loan?

UK business loans typically range from £10,000 up to £5 million. The precise amount for your company will depend on your business’s credit history, financial performance, and, for secured loans, the value of any collateral provided.

Q: How long does loan approval take?

Initial decisions for business loans are usually made within 1 to 2 weeks. After approval, funds are often available within 2 to 4 weeks, although this can depend on the loan type, accuracy of your documents, and lender workload.

Q: What are the typical interest rates and fees?

Business loans in the UK often carry interest rates from 3% to 18% APR. Additional fees such as arrangement fees, early repayment charges, or late payment penalties may also apply depending on lender terms.

Q: What types of business loans are available?

There are several business loan types including secured business loans, unsecured business loans, and invoice financing. Each has specific eligibility criteria, amounts, rates, and processes to suit various business needs.

£850K business loans provide UK SMEs with significant funding to support a variety of business goals, from expanding operations and purchasing new assets to managing cash flow. As a common form of business finance, these loans are specifically structured to align with your business’s needs, taking into account the amount borrowed, repayment terms, and the overall risk profile. Business loans offer a consistent, flexible way for companies to access capital, empowering them to pursue opportunities and handle financial challenges effectively.

Secure up to £850,000 in Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £850,000 in Business Loans with Funding Agent. with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of £850K Business Loans

Securing a business loan for £850K can be instrumental for companies planning major projects or significant investments. With flexible terms and access to large sums, business loans help drive growth while accommodating the unique financial circumstances of your business. Here are three important benefits to consider:

Large funding amount

Flexible repayment options

Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of £850K Business Loans

Secured Business Loan

Secured business loans require valuable collateral such as property or equipment and offer amounts from £100,000 up to £5 million, with competitive rates from 3% APR and terms up to five years.

Secured Business Loan

To qualify for a secured business loan, your business must provide assets against the loan. After sharing asset details, lenders appraise collateral, assess risk, and define terms. Approval usually takes 2 to 4 weeks. This type is ideal for sizeable capital projects or investments, supporting growth while offering potentially lower interest rates due to the collateral provided.

Unsecured Business Loan

Unsecured business loans do not require collateral but focus on your business’s credit profile and income records. They offer amounts from £10,000 to £500,000 on shorter repayment terms, with decisions typically within 1 to 2 weeks.

Unsecured Business Loan

Strong credit history is crucial for unsecured loans. The application process involves submitting credit information and financial statements, with lenders assessing creditworthiness to determine the rates and terms. These loans are best suited for managing operational costs, short-term projects, or businesses without significant assets.

Invoice Financing

Invoice financing is tailored for businesses with outstanding invoices, providing up to 90% of invoice value quickly—often in just a few days. This option improves cash flow without taking on long-term debt.

Invoice Financing

Eligibility requires a proven record of invoicing and operations. Once invoices are submitted for approval, a percentage is advanced by the lender, which is then repaid when your client settles the invoice. With terms between 1 and 6 months, this solution is invaluable for releasing working capital tied up in unpaid invoices.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Get a £850K Business Loan with Funding Agent

Complete Application

Begin by visiting our website and filling out the online application form, ensuring your business details and documents are accurate and up to date.

Receive Loan Offers

We connect you with relevant lenders and present tailored loan offers designed around your needs, so you can review all available options.

Select & Finalise

Choose the offer that matches your goals, undergo any additional verification, and then complete the agreement for funding to be released.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with a business loan?

How long does loan approval take?

What are the typical interest rates and fees?

What types of business loans are available?

DIVE DEEPER

August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.

June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.

June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

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^£850K Business Loans - Apply Now

Key ^Benefits of £850K Business Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of £850K Business Loans

Secured Business Loan

Secured Business Loan

Unsecured Business Loan

Unsecured Business Loan

Invoice Financing

Invoice Financing

Typical Funding Journeys on Funding Agent