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

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Business Loans & Working Capital

Business Loan

Unsecured and secured business loans for growth, stock, refurbishment, acquisitions or simply smoothing cash flow.

Amount
£10,000 – £2m
Term
1–6 years
Decision
Within hours
Get a quote 020 8004 9727

What is a business loan?

A business loan is a lump sum repaid in fixed instalments, typically over one to six years. Unsecured loans suit most limited companies borrowing up to around £500,000, while larger amounts are usually secured against property or assets. The rate you are offered depends on trading history, credit profile, affordability and security.

Last reviewed · PFC Commercial Finance

Key features

  • Unsecured options for limited companies
  • Secured facilities for larger amounts
  • Fixed rates and early repayment options
  • A real alternative to overdrafts and credit cards

How it works

Tell us about your business and what you need. Your dedicated account manager compares business loan 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.

Business Loan: common questions

What is the difference between secured and unsecured business loans?

A secured loan is backed by an asset such as property, which usually means larger amounts and lower rates. An unsecured loan needs no specific asset, but lenders normally ask for a personal guarantee from the directors.

Will checking my eligibility affect my credit score?

No. An initial eligibility check uses a soft search, which does not affect your credit score. A full search only happens when you choose to proceed with a lender.

How long does a business loan take?

Unsecured loans can be approved within hours and funded within days. Secured loans take longer because of valuations and legal work — typically a few weeks.

What documents will I need?

Usually recent business bank statements, your latest filed accounts or management accounts, and details of the directors. Larger loans may need forecasts and asset or property details.

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£150,000
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36 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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