Business Loans Built Around Your Cash Flow
From working capital to expansion funding, we arrange secured and unsecured business loans that fit the way your business actually earns — not a lender's standard template.
Prefer to plan ahead? Book a call online or message us on WhatsApp.How business loans works for you
A business loan should work with your trading pattern, not against it. Whether you need working capital to smooth seasonal dips, funds to fit out new premises, or growth capital to take on a larger contract, we start with how cash moves through your business and structure the borrowing around it.
Because we work across the whole market — high-street banks, challenger banks, and specialist lenders — we can place loans that a single lender would decline. Shorter trading history, recent losses on paper, or an unconventional business model don't end the conversation with us; they shape how we present your case.
You deal with one broker from enquiry to drawdown. We prepare the application, position it with the right lenders, and negotiate terms on your behalf, so you stay focused on running the business.
What clients fund with business loans
- Working capital and cash flow headroom
- Fit-outs, refurbishment and new premises
- Hiring, stock and contract mobilisation
- Refinancing expensive short-term debt
- Tax bills (VAT and corporation tax funding)
Why place it through us
Most brokers send your accounts to a panel and wait. We build a lending case first — explaining the numbers, the plan, and the repayment route — which is why we regularly secure terms for businesses that have been declined elsewhere, in the UK and offshore.
Every case begins with a conversation, not a form. Call 0800 6120759 or send us the outline and we'll respond within one working day.
Business Loans: frequently asked questions
How much can my business borrow?
It depends on turnover, profitability and how the loan will be repaid, but as a guide most lenders will consider around one to two times your gross annual profit for unsecured lending, and considerably more where security is available. We'll give you a realistic range on the first call rather than a headline figure that won't survive underwriting.
Can I get a business loan with a limited trading history?
Often, yes. Some specialist lenders will lend from 6–12 months' trading, particularly where there's a strong order book, contracts in place, or a director willing to give a personal guarantee. These are exactly the cases where a broker adds the most value.
Will applying affect my credit score?
Our initial market review uses soft searches wherever possible, so exploring your options doesn't leave a mark. A full credit search only happens when you choose to proceed with a specific lender, and we'll always tell you before that point.