Commercial Finance
Business Loans for UK Trading Businesses
Secured and unsecured business loans from £10,000 to several million, arranged across banks, challenger banks and specialist lenders. We match the structure to the purpose — so the repayments fit the cash the loan is meant to generate.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Borrowing That Fits the Purpose
A business loan is the simplest form of commercial borrowing: an agreed sum, an agreed term, a repayment schedule you can plan around. The difficulty is rarely the concept — it is finding a lender whose criteria match your trading history, sector and security position.
Unsecured lending typically runs from £10,000 to £500,000 over one to six years, decided largely on turnover and trading performance, often with a personal guarantee. Secured lending goes considerably further and longer where property or assets can support it, usually at a lower rate.
We look at what the money is doing before we look at rates. Funding a piece of equipment, a stock purchase and a VAT bill are three different problems, and the right answer is not always a loan at all.
Explore Your Finance Options
What Business Owners Use Them For
Common purposes we fund every month:
- Working capital and seasonal cash flow gaps
- Recruitment, premises fit-outs and expansion costs
- Tax, VAT and corporation tax bills
- Refinancing expensive or short-dated existing debt
- Marketing, systems and growth investment
- One-off opportunities that will not wait for a quarter’s profit
What This Means for You
Predictable repayments
A fixed schedule you can build into a cash flow forecast, rather than a facility that moves with your balance.
Ownership stays with you
Debt funding leaves your equity intact — no investor, no board seat, no share of the upside given away.
Speed where you need it
Some unsecured facilities can be decisioned within a couple of working days where the trading data supports it, though this varies by lender and by case.
A case presented properly
We package the numbers with the context behind them, which materially changes how a credit team reads a borderline application.
Frequently Asked Questions
How much can my business borrow?
As a rule of thumb, unsecured lenders will often consider around one month’s average turnover, sometimes more for strong, established businesses, but every lender sets its own criteria. Secured lending is governed by the value of the security instead, so the ceiling is usually higher. We will give you a realistic indication for your circumstances before you apply.
Will I need to give a personal guarantee?
For most unsecured business lending, yes — it is standard rather than a reflection on your business. We will explain exactly what the guarantee covers, whether it is capped, and where the alternatives sit before you sign anything.
Can I get a business loan with less than two years’ trading?
Often, yes. Some lenders will consider businesses trading for as little as six months where turnover and bank conduct are strong, though rates and amounts reflect the shorter track record. Start-ups usually need security or a government-backed route instead.
Discuss Your Funding Requirements
Tell us the amount, the purpose and the timescale, and we will come back with realistic options — not a rate table.