Who can apply for a loan with us.
Any UK resident aged 18+ looking to start a company, plus any existing UK company. All credit profiles welcome - the business case is what we look at.
The eligibility short list.
If everything in the ‘yes’ list is true and nothing in the ‘no’ list applies, you can apply right now and have a decision today.
We lend if you Yes
- You want to start, or are already a UK company
- Registered in England or Wales
- Want the money for business purposes
- Have authority to sign
- Are looking for between £8,000 and £10M
- Have a plan
We do not lend on No
- Personal consumer credit
- Regulated residential mortgages
- Speculative trading
- Sole traders or partnerships
- Businesses based outside the UK
Three things, not a credit score.
We assess the business and the security together, not just a number. Past credit issues do not automatically disqualify you - many of the businesses we fund have had bumps along the way.
The business
The idea or nature of what you do - the market you serve, how you make money and why customers will choose you over the alternatives.
Affordability
Once the loan starts being repaid, we need to make sure the business can comfortably afford it. The numbers have to work over the full term.
The people
The people behind the business - your background, experience and track record. The human side of the deal counts as much as the numbers.
Loan terms in one place.
Apply for a business loan today.
One application, a decision in hours, money in 24 hours. No brokers, no chains, no shopping your application around.