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

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Government-Backed & Growth Funding

Start Up Loans

Finance to launch or scale a young business, with repayment terms of up to five years and guidance from our specialists.

Amount
£10,000 – £500,000
Term
Up to 5 years
Decision
Within hours
Get a quote 020 8004 9727

What is start-up business finance?

Start-up business finance helps companies trading for under two years fund equipment, premises, stock and growth. Options include asset finance, business loans and government-backed lending. Our start-up finance is separate from the government’s Start Up Loans programme, which offers personal loans of up to £25,000 at a fixed 6%.

Last reviewed · PFC Commercial Finance

Key features

  • For businesses trading under two years
  • Repayment terms up to five years
  • Support with your business plan and forecasts
  • A real alternative to unarranged overdrafts

How it works

Tell us about your business and what you need. Your dedicated account manager compares start up loans 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.

Start Up Loans: common questions

What is the difference between this and a government Start Up Loan?

The government Start Up Loan is a personal loan of up to £25,000 per founder at a fixed 6%, delivered by the British Business Bank. Our start-up finance is business lending for larger amounts, from £10,000 to £500,000.

Can a new business get finance with no trading history?

Yes, though options are narrower. Asset finance, director-guaranteed loans and government-backed schemes are the most common routes. A clear business plan and cash-flow forecast make a big difference.

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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.

Government-Backed & Growth Funding

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