Short-term business loans

Short-term business loans up to £750k. Repayment terms from 3 – 18 months. Sorted in days, not weeks.

What is a short term business loan?

A short term business loan is a loan that UK businesses repay in monthly instalments over 3 to 18 months. It’s unsecured against business assets, backed by a director’s personal guarantee, and built for the things that can’t wait, such as payroll, tax bills, stock, or a cash flow wobble.

See if you are eligible
Blank Form (#4)
50000
36
£
£
£
Credit score not affected – Yep, that’s right – your credit score stays safe while exploring loan options with us. We keep it worry-free until you’re ready to dive in. Competitive rates.

Why choose short-term business loans?

Need cash, like, yesterday? Our short-term business loans are your go-to solution for a quick financial pick-me-up. Designed to cover those pesky 3 to 12 month gaps, they’re perfect for unexpected expenses, cash flow juggling, or stocking up quick-time. Think of it as a little boost for your business – speedy and effective. Plus, if the term comes to an end and you decide you’re not ready to say bye, we also offer top-ups!

Benefits of short-term business loans

01

Quick access to funds

Get the cash you need in as little as 4 hours.

02

Flexible repayment terms

Pick from 3, 6, or 12 months to match your business needs perfectly.

03

Improved cash flow

Smooth out the bumps in your daily operations or tackle unexpected expenses with ease.

04

No long-term commitment

Enjoy the freedom of paying off your loan quickly, with no strings attached.

05

Monthly repayments

Fixed monthly payments to fit your cash flow, so you know what to expect each month.

06

Works for you

And if you feel like a longer term would suit you better – we can look into that too!

Start my enquiry

Your questions answered

Are business loans suitable for small businesses?

Absolutely! Small business loans from Business Lending are ideal for SMEs needing a quick and flexible loan. We get the unique challenges you face and offer the best business loan tailored to you. It's like a financial hug for your business!

Is my credit score impacted when applying for a business loan?

Wondering about your credit history? Don't sweat it! When you apply for a business loan, we'll do a soft credit check without affecting your personal credit history. Once you accept the offer, the business loan gets recorded on your credit, but hey, you're already approved - no worries there!

How long does it take to receive funding with a business loan from Business Lending?

Need cash in a flash? With Business Lending, you can get your business loan within 24 hours of approval. Our speedy approval process means you can get back to business ASAP. In some cases, we've got successful applicants funded in as little as 4 hours, just make sure you have all the necessary info ready and we can get it processed quicker than... Hmm we’ve ran out of quick analogies now... Something super quick!

What are the eligibility criteria for applying for a business loan?

Our standard requirements are that you are based in the UK, 3+ months trading, and £50k+ turnover. Don't stress if you don't fit this though! We have various business loan options outside the box. We accept applications from both private limited companies and sole traders. Give us a shout to see how we can help your business out!

What is the total amount I can borrow with a business loan from Business Lending?

How much can you borrow? That depends on your business's financial mojo. Business Lending offers loan amounts from £1,000 to £1,000,000, giving you the capital you need to turn your big plans into reality.

What are the repayment periods for business loans?

Our repayment plans are as flexible as a yoga instructor, adaptable & stress-relieving - minus the stretchy pants. Depending on the type of business loan and loan amount, we offer a variety of term loans, from 3 months to 6 years. Let us know your business plans and we'll work with you to find a schedule that fits your business.