Sigma Lending Reviews

Sigma Lending is a UK-based business lender focused on unsecured small business loans for SMEs, positioning itself around fast, streamlined access to working capital. On its website, Sigma Lending highlights funding typically from £5,000 up to £150,000 (some pages also reference up to £100,000) and says funds can be released within 24 hours after a successful application/approval.

Key features of Sigma Lending

• Unsecured lending: Sigma describes its loans as unsecured (no collateral required), though it says it asks for a personal guarantee from directors and does not require directors to be homeowners.
• Fast decisions and funding: the site states applications are reviewed quickly (including “assisted by AI technology”), with funds released within 24 hours after review/approval/successful application.
• Soft credit check: Sigma says it uses a soft credit check that “doesn’t leave a mark” on a credit report.
• Flexible repayment: Sigma highlights early repayment, changing terms, and the ability to apply for a top-up, with “no hidden fees” messaging.
• Online-first application: Sigma promotes an intuitive online process and encourages applicants to connect accounts (rather than preparing lots of documents).

Funding eligibility

Based on Sigma’s stated criteria, eligibility includes:

• UK limited company
• Minimum turnover of £150,000
• Trading for at least 18 months
• Applicant should be a director with a UK bank account

Loan options from Sigma Lending

Sigma Lending markets unsecured small business / cashflow-style loans intended for working capital and a wide range of business uses (e.g., stock, hiring, cash buffer).

Loan size (as advertised on the site):

• Commonly referenced as £5,000 to £150,000 on the Loans page and homepage (with some site copy also mentioning up to £100,000).

Sigma’s website messaging emphasizes flexible repayment and the ability to repay early / amend terms / request top-ups, but it does not publicly list a single fixed set of rates or terms on the main Loans page—users are instead directed to get a quote through the application flow.

How to apply for a loan with Sigma Lending

1. Start the online application via Sigma’s application portal, requesting a “free, no obligation quote” (the form states this will have no impact on your credit score).
2. Provide basic details, such as company name/number, the amount you want to borrow, and your contact/personal details.
3. Share or connect financial information: Sigma’s site indicates you can connect accounts / use open banking (and, for partner-submitted applications, notes documents can be shared or accessed via open banking).
4. Application review and decision: Sigma says its team reviews applications (assisted by AI) for a quick decision.
5. Funding: if approved, Sigma says funds are released within ~24 hours.

For questions, Sigma lists hello@sigma-lending.com and (+44) 3330 502 420.

Funding Agent's view on Sigma Lending Limited

Based on Sigma Lending’s own website, it presents a clear proposition for established UK limited companies that need unsecured funding quickly, with simple stated eligibility (turnover/time trading) and a fully online process.

Two diligence points we’d highlight from Sigma’s disclosures: (1) it states it is not a regulated lender (FCA registration is for AML supervision only), and (2) its privacy policy notes applicant data may be shared with credit reference agencies and, where Sigma can’t offer a loan, an application may be referred to third parties.