Quick Business Loans

If you need an instant loan for your business, we’re here to help. With our quick business loans, your business could receive between £10,000 and £500,000 in unsecured funding in as little as 24 hours. We offer a variety of loan options, including unsecured business funding for those who do not want to provide collateral.

Unlike traditional bank loans, our business loans have no fixed monthly payments, hidden APR or other costs. Instead, you’ll simply repay an agreed percentage of your credit and debit card sales, so you only pay us back when your customers pay you.

When sales are up, you’ll be able to pay off more of your loan balance. When sales are down, you’ll be able to repay a smaller amount, causing less strain on your business’ cash flow.

Get a quote easily with our business loan application process, which leads to an instant decision. Our approval process only includes a soft credit check, not a hard inquiry, so it does not impact your credit score.

Even if you are approved, a conventional business loan from a bank can take days or weeks for approval. This means that by the time you receive the cash you need to run your business, it’s often too late.

With a 90% approval rate, our small business loans are processed within 24 hours, giving your business full access to capital without any delays.

Apply for your instant business loanin minutes and get a no-obligation quote today.

Our instant loans are designed for businesses of all sizes, from small retailers, restaurants and cafés to online businesses and more. A quick business loan offers a wide range of advantages for your business:

• Instant cash to fund your operations, or buy new inventory, or to expand your business. All without the slow approval process of a conventional bank loan. Our business loans can be approved within 24 hours meaning you don’t have to wait for the cash to run your business.
• Flexible business loans that can be tailored to your business needs, supporting a variety of business purposes such as expansion, inventory, marketing, or staffing.
• Choose a variety of options with flexible repayment periods to suit your cash flow. Whether you need short-term or longer-term financing, our quick business loans can help.
• No hidden APR or fixed monthly repayments. Instead, you pay back via an agreed percentage of your monthly card sales automatically, letting you focus on running and growing your business.
• No early repayment penalties, so you can pay off your loan ahead of schedule without extra costs.
• Our loans help you manage unexpected expenses and address financial challenges, supporting your business growth and stability.

Secured business loans require you to offer collateral—such as business assets, property, or equipment—to secure the loan. This collateral reduces the lender’s risk, which often means you can access lower interest rates and more flexible repayment terms. Secured loans are typically used for long term growth, major investments, or expansion plans, making them a strong choice for businesses with valuable assets and a clear vision for the future. However, it’s important to remember that if your business is unable to meet the repayment terms, the lender has the right to claim the collateral, which can put your business assets at risk.

On the other hand, unsecured business loans do not require any collateral, making them a flexible solution for small businesses and medium sized businesses that may not have significant assets or prefer not to risk them. Unsecured business loans and cash flow loans are often used to cover short term financial needs, manage cash flow gaps, or address unexpected costs and expenses. These loans are ideal for business owners who need quick access to funding for working capital, seizing growth opportunities, or handling urgent financial needs.

Because unsecured business loans present a higher risk to lenders, they often come with higher interest rates and may have stricter eligibility criteria. Lenders will typically review your business’s credit history, credit score, and financial resources, as well as request business bank statements to assess your cash flow and overall financial health. A strong business credit score can help you secure more competitive rates and improve your chances of approval.

Flexible repayment terms are another advantage of many unsecured business loans, allowing you to choose daily or weekly repayments that align with your business’s cash flow. This flexibility can help reduce financial strain and make it easier to manage monthly repayments, especially during periods of fluctuating revenue.

Ultimately, the choice between a secured and unsecured business loan depends on your business’s unique situation, financial goals, and risk tolerance. By understanding the key differences and evaluating your business’s assets, credit report, and funding needs, you can select the loan option that best supports your business’s growth and stability. Whether you’re looking to bridge cash flow gaps, invest in new opportunities, or cover unexpected bills, both secured and unsecured business loans can provide the financial resources you need to keep your business moving forward.