Flexible Business Loans

If your UK business has processed £10,000 or more per month in card transactions over a 6 month trading period, you can access up to £500,000 in flexible business loans designed to protect your cash flow while you grow.

Other options like traditional business loans will put you through rigid credit checks, demand security to back up the borrowing, and lock you into fixed monthly payments whether your sales allow you to afford them or not. That’s a recipe for cash flow stress.

Our flexible funding works differently:

• Fast approval and funding, usually within 24 hours
• Pay based on your daily card sales, not fixed dates
• No hidden fees, no surprises, no credit checks
• Personal support throughout your journey

Whether you’re managing seasonal fluctuations, investing in growth opportunities or navigating unexpected challenges, flexible business loans give you the breathing room traditional finance can’t offer.

Ready to explore your options? Get a personalized quote and discover how much you could have in your account within 24 hours, with repayments that match your business rhythm.

The businesses that thrive are those that can have access to financing that can help them solve problems fast and seize opportunities the moment they appear, all while keeping repayments manageable. Flexible business loans are built around these realities. Here’s when they make the biggest impact:

• Purchasing Equipment: Investing in new equipment or upgrading existing assets shouldn’t compromise your day-to-day operations. Flexible funding allows businesses to invest in expensive assets while keeping repayments aligned with the revenue those improvements generate.
• Marketing & Advertising: Flexible business loans allow businesses to launch campaigns or enter new markets with confidence. 
• Increasing Working Capital: This alternative financing option creates breathing room to operate smoothly, whether it’s building inventory, hiring staff, or covering operational costs during growth phases.
• Expanding Business Operations: Opening new locations, entering new markets, or scaling operations requires significant capital. Flexible loans adapt to the revenue curve as your expansion generates returns.
• Refinancing Expensive Debt: Replace high-interest credit cards or overdrafts with flexible business loans that adapt to your circumstances, potentially saving you money while improving overall cash flow management.

The flexible lending market in the United Kingdom is experiencing significant growth. Analysts expect it to £40.46 billion by 2025 and expand to approximately £64.56 billion by 2029. This surge reflects a fundamental shift in how businesses, especially SMEs, access finance. Traditional banking has failed to keep pace with current business needs, while advances in financial technology now allow lenders to offer repayment models that actually work for businesses. This way, businesses are continually able to demand funding that adapts to their reality, not create cash flow stress. The result is a growing recognition that SMEs need financial partners who understand that business revenue fluctuates and that these businesses should have the ability to seize opportunities when they arise unexpectedly.

• Award-Winning Service 

We’ve been recognized across the industry for our commitment to supporting UK businesses with transparent, flexible funding solutions that actually work.

• Relationship-Focused Approach 

Every business owner that joins us gets a dedicated account manager who understands your business and is there to support you throughout your funding journey.

• Deep Industry Experience

With over a decade of experience providing flexible business loans to thousands of UK SMEs, we understand the challenges you face and have the expertise to help you overcome them.

• Speed and Simplicity

Our streamlined digital process means you can get a decision in as little as 24 hours, with funds in your account shortly after. No lengthy paperwork, no endless waiting.