Business finance from £10,000 to £2 million — any sector

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Business Loans & Working Capital

Flexible & Short Term

Short-term funding for opportunities and pressures that won’t wait — from bulk stock buys to bridging a cash-flow gap.

Amount
£10,000 – £500,000
Term
3–24 months
Decision
Within hours
Get a quote 020 8004 9727

What is flexible & short term?

Short-term business finance provides funds over three to 24 months for needs that won’t wait — bulk stock, a contract, a seasonal dip or a cash-flow gap. Options include short-term loans and revolving credit facilities, where you draw and repay as needed and pay interest only on what you use.

Last reviewed · PFC Commercial Finance

Key features

  • Decisions in hours, funds in days
  • Flexible repayment schedules
  • Revolving credit lines available
  • Ideal for seasonal businesses

How it works

Tell us about your business and what you need. Your dedicated account manager compares flexible & short term options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

Flexible & Short Term: common questions

What is a revolving credit facility?

A pre-approved credit limit your business can draw on, repay and draw again — similar to an overdraft but usually more flexible and not tied to your main bank.

Are short-term loans more expensive?

The headline rate is often higher than for long-term finance, but total interest can be lower because the term is shorter. Always compare the total cost of borrowing.

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£150,000
£10,000£2,000,000
36 months
6 months72 months
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Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.

Business Loans & Working Capital

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