FINANCE OPTIONS

Check if you qualify for a ^{business loan}

Q: How quickly can I get a business loan decision?

Business loan decisions vary by type and lender; they can be as quick as 24 hours for merchant cash advances or up to 4 weeks for larger term loans.

Q: What are the eligibility requirements for a business loan?

Eligibility typically requires a UK-registered business with a satisfactory credit score and trading history of at least one year, depending on the loan type.

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

The borrowing capacity varies; term loans offer £5,000 to £500,000, while invoice financing allows up to 90% of invoice values.

Q: What are the interest rates for business loans?

Interest rates range from 3% to 20% APR for term loans, 1% to 5% per invoice for invoice financing, and depend on credit score and loan term.

Business loans are crucial financial products designed to provide capital to SMEs to support expansion, equipment purchases, or cash flow management. These loans typically require regular repayments with interest over a set period and can be secured or unsecured. Business loans provide access to growth capital.

Business Loans

Secure up to £1,000,000 in Business Loans 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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Business Loan Calculator

Loan Amount

£10,000£1,000,000

Choose an estimated borrowing amount in £5,000 steps from £10,000. Real offers and limits vary by lender and business profile.

Term Length

6 months5 years

Fixed monthly repayments over the chosen term (amortising loan). The term moves in 6-month steps up to 5 years.

Estimated Monthly Repayment

£3,227

Estimated repayment using an illustrative rate that adjusts with term (10% APR at 36 months). Actual repayments vary by lender and product.

Total Repayment

£116,162

Total of monthly repayments across the full term, excluding any additional charges not modelled.

Compare real offers in minutes

Use this calculator for a quick estimate, then apply to compare lender options based on your business profile and required amount.

What are the ^benefits of Business loans?

Business loans offer the advantage of accessing vital capital for growth and cash flow management. With tailored solutions such as invoice financing, businesses can quickly improve liquidity with up to 90% of invoice value available in as few as 24 hours.

Access to capital

Business growth support

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Business loans?

Term Loans

Term loans offer amounts between 3£5,000 to a3500,000 with terms ranging from 12 to 60 months. Eligible businesses must be UK-registered with at least 1 year of trading history.

Term Loans

With interest rates from 3% to 20% APR, term loans are ideal for purchasing equipment and funding expansion. Manufacturing sectors often utilise term loans for machinery purchases, with an approval process spanning 2 to 4 weeks.

Invoice Financing

Invoice financing allows borrowing up to 90% of invoice values typically within 1 to 3 months. It suits UK businesses with B2B operations.

Invoice Financing

With quick decisions within 24 to 48 hours and fees ranging from 1% to 5% per invoice, this option is perfect for tech companies needing to leverage client invoices for cash flow improvement.

Merchant Cash Advances

Merchant cash advances provide a35,000 to a3300,000 based on credit/debit card sales, with terms from 6 to 18 months.

Merchant Cash Advances

Perfect for the retail and hospitality sectors, these advances feature quick approval times of 1 to 2 days with factor rates of 1.1 to 1.5. Use them for inventory purchases during holiday seasons, as seen in seasonal stock expansions.

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

Apply Through Funding Agent

Submit an Inquiry

Provide basic information and financial details to see what options are available.

Review Loan Offers

Funding Agent presents tailored offers from lenders suited to your business profile.

Finalise the Agreement

Select the best loan offer and complete any additional documentation to secure funding.

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 quickly can I get a business loan decision?

What are the eligibility requirements for a business loan?

How much can I borrow with a business loan?

What are the interest rates for business loans?

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June 30, 2025

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Check if you qualify for a ^{business loan}

Business Loan Calculator

Compare real offers in minutes

What are the ^benefits of Business loans?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Business loans?

Term Loans

Term Loans

Invoice Financing

Invoice Financing

Merchant Cash Advances

Merchant Cash Advances

Typical Funding Journeys on Funding Agent