FINANCE OPTIONS

^Start Up Business Loans - Apply Now

Q: What is the typical borrowing limit for Start Up Business Loans?

Most Start Up Business Loans allow you to borrow from £500 up to £50,000. The amount you can access is affected by your business plan, personal credit history, and the sector your startup operates in.

Q: How long does it take to get a decision and access funds?

Initial decisions are usually made in 1 to 4 weeks, depending on the lender and your application’s completeness. Once approved, funds are commonly available within 2 to 6 weeks after your paperwork has been processed.

Q: What are the interest rates and fee ranges for Start Up Business Loans?

Interest rates typically range from 6% to 15%, influenced by your business’s risk profile, the loan amount, and the lender’s assessment. There may also be application fees, administration costs, or early repayment charges depending on the loan.

Q: What types of Start Up Business Loans are available?

Common options include Government-Backed Startup Loans, Peer-to-Peer Startup Loans, and Business Credit Cards for startups. Each type varies in eligibility, credit assessment, borrowing limits, and use cases.

Start Up Business Loans are designed to provide much-needed funds for new businesses in the UK, helping them launch and grow in their critical early stages. As a startup, securing finance can be challenging without a financial track record, but these loans offer accessible routes to capital. Businesses typically use this funding for startup costs, expansion, or working capital. By accessing Start Up Business Loans, UK entrepreneurs can benefit from flexible terms, supportive rates, and the opportunity to establish a strong credit history for future growth.

Start Up Business Loans

Secure up to £1,000,000 in Start Up 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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^Benefits of Start Up Business Loans

Start Up Business Loans offer distinctive advantages tailored to the needs of early-stage companies. These loans feature flexibility, enable credit building, and can be secured quickly, with competitive rates shaped by your situation and the lender's assessment. Decision timescales and borrowing limits are structured to support growing businesses responsibly.

Easy access to funds

Supports business growth

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Start Up Business Loans

Government-Backed Startup Loan

Offers fixed-rate loans from £500 to £25,000 for businesses trading under 24 months. Applications require a business plan, cash flow forecast, and UK residency.

Government-Backed Startup Loan

Government-Backed Startup Loans support new businesses by providing essential funds at a 6% fixed rate, repayable over 12 to 60 months. With an online application assessing your business plan and forecasts, decisions typically take 2 to 4 weeks. These loans are well suited to innovative sectors and can be used for setup, equipment and working capital.

Peer-to-Peer Startup Loan

Connects new businesses with individual investors, offering £1,000 to £50,000 on flexible terms, with application decisions usually given in 1 to 2 weeks through peer-to-peer lending platforms.

Peer-to-Peer Startup Loan

Peer-to-Peer Startup Loans help startups access funding by linking them to investors via online platforms. With terms from 6 to 36 months and rates from 6% to 15%, these loans are suitable for pre-revenue businesses in high-growth sectors. Applicants submit a business plan and financial forecasts; lending decisions are made based on risk assessment and the platform’s matching process.

Business Credit Card for Startups

Provides a credit limit from £1,000 to £10,000 with revolving credit and quick access to funds for urgent needs or short-term expenses.

Business Credit Card for Startups

Business Credit Cards offer startups flexible financing, with 0% introductory offers and standard rates from 15% to 25% APR. Approval requires a good personal credit history and business registration. Funds are accessible for emergencies or routine purchases, with fast application processes ensuring decisions in 1 to 2 weeks.

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 Start Up Business Loan with Funding Agent

Assess Funding Needs

Work out exactly how much funding your startup requires and by using our online application form show how you intend to use it to support your business objectives.