How to Get a Business Loan Offer in 24 to 72 Hours in the UK

When you need funds fast, speed depends on clarity. Lenders move quickly when they have clean data and a clear use of funds. This guide shows how to get an offer within 24 to 72 hours, which options are fastest, and how to do it with Funding Agent.

What “offer in 24 to 72 hours” really means

Many sites talk about same day funding, but there are three stages in every deal. Know which stage a claim refers to.

• Decision or quote: how fast you get terms after you apply.
• Offer accepted: how fast checks and electronic signing complete.
• Funds received: how fast the money lands in your account.

Once terms are agreed, payouts often move through Faster Payments within hours in typical cases. The bottleneck is approval and verification, not the transfer itself.

Explore same day business loans to compare routes that fit your speed and turnover.

How to get an offer with Funding Agent, step by step

Funding Agent connects you with the right lender for your need and timeline. Here is the fastest path from form to offer.

1. Open the Loan Offer Form. Enter your details, company name, registered number, loan type, amount, and use of funds. Be clear and specific.
2. Get an instant call and email. We reach out right away. You will receive either matched offers or a simple list of the documents and details that will get you over the line. This depends on your company and loan type.
3. Share data and sign. Upload recent bank statements or connect Open Banking. Complete any quick checks. Sign electronically. Receive final terms.

Start your Loan Offer Form and get clear next steps by phone and email.

The fastest business finance options in the UK, ranked by speed

Speed varies by product and your profile. Here are common options that move within 24 to 72 hours when files are clean.

Digital bank loans for existing customers

If you already bank with a lender, they may decide faster because they hold your KYC and account history. These routes work best when your turnover and credit match automated rules.

Online lenders, quick decisions and fast payout

Specialist online lenders use streamlined checks. Many can give a decision in minutes or hours, then pay out within one to two days once you accept and complete checks. These suit trading businesses that can share bank data right away.

Invoice finance for B2B firms

If you invoice other businesses, invoice finance can unlock up to a large share of invoice value. New invoices can release funds within about a day once the facility is live. This works best when you have a steady sales ledger and clear debtor terms. See the invoice finance guide.

Merchant cash advances

For card heavy traders, advances link to daily card takings. Approval can come fast, with repayment taken as a share of sales. Check total payback and any fees with care.

Bridging loans

Short term, often secured on property. Used for time sensitive needs such as auction or completion. Some cases can fund within about 72 hours once valuations and legal checks line up.

Compare quick business loan options and match by speed, amount, and purpose.

The practical checklist that makes 24 to 72 hours realistic

Preparation cuts hours off the process. Use this list to remove friction.

• Last 3 to 6 months of business bank statements, or Open Banking access ready to connect.
• Company basics, legal name, registered number, address, and directors.
• Turnover details, average monthly revenue and your worst recent month.
• Clear use of funds, for stock, a tax bill, repairs, working capital, or other needs.

You can confirm your legal name and number on Companies House or read how to get information about a company.

Watch for slow points that trigger manual review.

• Requesting an amount that is far above your turnover.
• Messy statements without context, bounced payments or large unexplained transfers.
• Mismatched company data across filings and forms.
• Applying late in the day or at weekends, manual queues tend to build.

How to sanity check cost quickly when speed matters

Fast capital can cost more. You should still judge value in minutes.

1. Read the total payback. Add the amount you borrow and all fees. Do not focus only on a headline rate.
2. Estimate the effective APR. Short terms can make APR look high. Balance speed and need against cost.
3. Do a quick example. If you borrow £50,000 and repay £55,000 over 6 months, the fee is £5,000. Ask if the extra profit or saved cost from acting now covers this.

If your bank declines you, move fast with the Bank Referral Scheme

If a bank says no, you can still keep your timeline. With consent, the bank shares your details with designated platforms by the end of the next working day. That saves you from starting again. Learn about the Bank Referral Scheme and see the UK Finance referrals factsheet.

Be ready with the same documents and detail as above so lenders can respond at speed.

If you need terms fast, take action today. Keep your documents ready, apply with a clear ask, and respond to requests at once. Funding Agent will guide you each step of the way.

Get a business loan offer quickly with Funding Agent.

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