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With secured business loans, UK companies can borrow greater amounts by leveraging assets such as property or equipment. The lender considers the value of your security and overall financial health. Application involves detailed financial checks and asset valuations, and approval often takes two to four weeks. These loans suit enterprises planning significant capital investments, such as property purchase or business acquisition.

Unsecured loans require no company assets but usually ask for a personal guarantee. The application is simpler, relying on strong credit and up-to-date financial statements. Decisions can be made in as little as one to two weeks, providing a faster route to finance for working capital or short-term needs. This type works well for companies seeking agility without risking business assets.

This facility is suited for companies with regular invoicing and reliable customers. Submit your invoices to the lender and get fast access to most of the value, typically within 48 hours to one week. When your client pays, you receive the remaining balance. Invoice finance is valuable for bridging funding gaps caused by delayed payments, aiding cash flow without increasing overall borrowing.