UK Business Loans Made Simple – Get the Funding You Need, Fast

Hassle-free business finance from £25K to £5M, without the wait.

Unlock your growth with tailored UK business loans. Our expert team finds funding solutions to match your goals, whatever the reason.

How Our UK Business Loans Can Benefit You

What is a Business Loan?

A business loan is a type of financial solution that gives companies the money they need, whether they need a quick cash infusion to handle recurring costs and keep things running smoothly or more working capital to pursue expansion prospects.

These loans can be provided by banks, alternative lenders, and government-backed schemes, repayment terms depend on the type of loan and lender.

You can either opt for a secured business loans UK (where you put up assets as collateral) or unsecured loans (you don’t put anything up as security, but you might pay a higher interest rate). An ideal business loan would have flexible repayment conditions and competitive interest rates.

Business loans can be used for pretty much anything: expansion into a new market, buying equipment, stock investment, managing working capital or to stabilise your business.

No matter if you own a start-up or have an established business, the right loan can get you closer to your financial goals.

What Can a Business Loan Be Used For?

Business loans provide opportunities for entrepreneurs. Depending on the loan you opt for, the possibilities are almost endless. Here are some examples of how you could effectively use your business loan:

Seizing a business opportunity that’s too good to let slide
Purchasing commercial property to expand your business
Exploring new markets
Covering a dip in cash flow
Paying for unforeseen business hiccups
Covering VAT or tax obligations
Investing in new technologies

How Does a UK Business Loan Work?

A business loan is a lump sum of capital that a company borrows directly from a lender, which it pays back over a set period of time, usually with interest. The process generally follows the following steps:

Application

Regardless of the route you take to secure funding for your business, the application process is going to look similar. You’ll need to provide your business’ financial information, your credit history, and a business plan to prove your repayment capability and the feasibility of the loan for the lender.

Approval & Offer

Depending on the route you choose for your business loan, the approval process can take anywhere from a few days to weeks. Traditional banks and government grants are reviewed by an underwriter (who will assess the credibility of the loan) and an offer may be made.

Alternative lenders, like Funding Guru, will also assess your business’s financial health and determine the loan amount, interest rate, and repayment terms (but tend to get the job done much faster).

Funding

Once your business loan is approved, the funds are deposited into your business’s account. If you opt for the traditional route, this can take weeks. If you go with Funding Guru, your funding can be with you in as little as a few days.

Repayments

Regardless of where you get your loan from, repayments are non-negotiable. You repay the loan in pre-agreed fixed instalments (weekly or monthly, depending on the agreement). Interest rates can be fixed (remaining constant) or variable (changing according to your market rates). Failure to repay your loan will impact your credit rating, but the reverse is also true: consistent loan repayments build up your credit score.

Completion

When all repayments are made, the loan is closed.

Types of Business Loans

At Funding Guru, we offer a range of business finance solutions, from commercial mortgages and bridging loans to cash advances and start-up funding. Our team of expert advisors can guide you across all facets of business loans and finance.

Bridgin Loan:
Bridging loans are fast turnaround loans that ‘bridge’ the gap before you get long-term finance in place. This can be anywhere from a few weeks to three years.
Secured Loan:
A secured loan uses your assets as security to borrow a large sum of money, allowing you to repay it over a longer period of time.
Unsecured Loan:
An unsecured loan is a great option if you’re looking for a quick cash injection to help your business grow.
Asset Financ:
Purchasing new equipment that needs funding? Asset rich but cash poor and need to release some capital? Asset finance could be the answer.
Invoice Finance:
Invoice finance allows you to borrow money secured against invoices due from your customers.
VAT Funding
Got stung by a VAT bill you’re struggling to pay? A VAT loan could help you meet your HMRC obligations and improve your cash flow.
Trade Finance
Reduce the risk of trading overseas and achieve your international goals by using trade finance.
Stock Finance
Stock finance allows you to free up stock that may be tying up significant amounts of cash within your balance sheet.
Merchant Cash Advance
A merchant cash advance is a great way to borrow money if your business processes credit or debit card payments.
Jumbo Loans
A jumbo loan allows you to borrow up to £50m to fund large-scale property deals and finance often unique or ‘trophy’ assets.

How to Apply for a Funding Guru UK Business Loan

What Type of Loan is Right for My Business

Each industry faces specific financing challenges, and the right solution can make a significant difference in a business’s success. Here’s how our business loans can support different industries:

Construction & Trades
The construction industry requires significant upfront capital for materials, labour, and equipment before payments are received for completed work. Loans can help cover project costs and manage cash flow during delays. Asset finance could be for you.
Retail & E-Commerce:
Retail businesses often require funding to manage seasonal demand, stock inventory, or expand their online presence. Loans can help to fund bulk inventory purchases, digital marketing & expanding physical store locations. Merchant cash advance could be your route.
Hospitality & Restaurants
Hotels, restaurants and cafés have fluctuating cash flow due to seasonal changes, supply costs & operational expenses. Loans can assist with renovations, purchasing equipment and managing payroll in quiet seasons. Unsecured loans may be a good option for you.
Healthcare & Medical Services
Clinics, private practices and care homes require funding to maintain and expand their services. Loans can be used for upgrading facilities, hiring specialists & managing insurance reimbursement delays. Secured loans could be for you.
Transport & Logistics
Businesses in logistics, haulage, and transportation need capital to keep their operations running smoothly. A business loan can help with purchasing new vehicles or fleet maintenance and fuel and operational costs. Asset finance or secured loans could help.
Technology & Startups
Tech start-ups and digital businesses require funding for research, product development and scaling operations. Business loans can support hiring developers and engineers & investing in software, infrastructure, and cybersecurity. If you’re just starting up - a start up loan may work for you.
Manufacturing & Wholesale
Manufacturers and wholesalers need working capital to buy raw materials, scale production, and manage supply chains efficiently. Business financing supports investing in new machinery or expanding warehouse storage. Speak to our advisors on secured loans and stock finance.
Professional Services
Law firms, accountancy practices, marketing agencies and consultancy businesses need working capital to sustain operations and grow their client base. Financing can be used for expanding teams, office space & marketing development. Invoice finance could be a good avenue for your business.

Why Choose Us

Fast, flexible funding tailored to your business needs. With expert advice and competitive rates, we help you grow with confidence.

Solutions Tailored To Your Needs:
Funding Guru’s personalised financing solutions designed to meet the needs of your business, no matter your industry.
Transparent Approach:
We don’t believe in smoke and mirrors. With Funding Guru, you’ll experience transparency at every step of your financing journey, so you can make confident financial decisions.
Proven Success Stories:
Our clients access a community of thriving businesses that are going from strength to strength with Funding Guru's financial expertise and support.
Decades of Industry Experience:
Rely on a partner who doesn’t just talk the talk. Our expert advisors have extensive industry experience, providing you with insights and guidance to navigate the complexities of business finance.
Efficiency and Simplicity:
We don’t like things to become over-complicated. Our process makes obtaining business finance quick and efficient, allowing you to focus on what matters - growing your business.

Testimonials

"We have worked with Funding Guru for varied lending needs for over 10 years now. From arranging invoice finance, to leasing new vehicles, to cashflow assistance - Matt and his team never disappoint. When we first started our business securing finance was far from easy but Funding Guru provided solutions that few others couldn't and they have continued to support us as our business has developed and grown to an 8 figure turnover."

"Coming out of COVID our business, like most, wasn't in a great place. We hadn't been able to trade for over a year and finding finance options was proving difficult for us. Funding Guru was prepared to look at what a successful business we had been prior to the start of the pandemic, and what great opportunities lay ahead for us. The facility they provided solved our cashflow needs and allowed us to concentrate on being the UK's premier race team!'

"I knew Matt long before he was a lender, when he was building his own businesses and finding creative ways to finance his growth. So as soon as he started Funding Guru I knew there was only going to be one person to talk to about my own business finance requirements!"

Frequently Asked Questions

What business loan options does Funding Guru offer?

Funding Guru provides a range of flexible business loan solutions in the UK, including secured business loans, unsecured business loans, asset finance, and bridging loans. Whether you need quick funding for cash flow management or long-term capital for business growth, we tailor loans to suit your needs.

How can I get a quick business loan in the UK?

Quick business loans are available through online lenders such as the Funding Guru, alternative finance providers, and some banks. The application process is typically streamlined, requiring basic financial details, and funds can often be disbursed within 48 hours under exceptional circumstances.

What are the eligibility requirements for business loans in the UK?

Eligibility depends on factors such as business turnover, credit history, trading history, and loan purpose. Get in touch for more details.

Are there business loans available for startups in the UK?

Yes, start-up business loans are available, but they may require a solid business plan, a personal guarantee, or alternative forms of security. Reach out to learn more!

How much can I borrow with a quick business loan?

Loan amounts vary based on lender criteria, business revenue, and creditworthiness. At Funding Guru, we offer quick business loans from £25k+.

How much can I borrow with a quick business loan?

Loan amounts vary based on lender criteria, business revenue, and creditworthiness. At Funding Guru, we offer quick business loans from £25k+.

What are the interest rates for quick business loans in the UK?

Interest rates depend on factors like credit score, loan term, and whether the loan is secured or unsecured. Rates can start from as low as 4-5% but may be higher for riskier applicants or short-term loans.

Can I get a business loan with bad credit in the UK?

Yes, we offer business loans to those with bad credit. However, these loans often come with higher interest rates, shorter repayment terms, or additional security requirements.