Compare UK Business
Loan Lenders:
Rates & Terms (2026) 
What is a business loan?
A business loan is a sum of money borrowed specifically to fund business operations, growth, or investments.
Unlike personal loans, business loans are designed to meet commercial needs such as purchasing equipment, expanding operations, managing cash flow, or covering operational expenses.
These loans come with terms and interest rates tailored to business requirements and typically offer larger amounts with flexible repayment options.
Get loan
options fast
Our streamlined process connects you with multiple lenders in minutes, not weeks. Simply complete one application form and receive offers from various lenders, allowing you to compare rates and terms to find the perfect match for your business needs.
Why choose our platform
Multiple lender network
Access to diverse loan options
Same-day funding available
Get capital when you need it
Dedicated loan officer
Personal support throughout the process
No hidden fees
Complete transparency from start to finish
How it works
Tell us your loan requirements
Complete our simple online form detailing how much you need, for how long, and what you’ll use the funds for.
Choose your best option
We’ll present you with loan offers from multiple lenders that match your profile and requirements
Get funded in
24 hours
Select the loan that best suits your circumstances and receive your funds quickly.
Different types of loans we offer
Bridging loans
A short-term borrowing solution designed to help you ‘bridge the gap’ when you’re waiting for funds from another source.
Merchant Cash Advance
A fast, flexible form of financing for businesses,
Asset Finance
Asset finance is a funding solution that allows businesses to acquire equipment, vehicles, or machinery without paying the full cost upfront.
Term loans
Fixed-rate loans with set repayment schedules, perfect for major investments or expansion projects.
Lines of credit
Flexible access to funds when you need them, ideal for managing cash flow or unexpected expenses.
Equipment financing
Specialised loans for purchasing business equipment, with the equipment often serving as collateral.
Working capital loans
Short-term financing to cover day-to-day operational expenses and maintain smooth business operations
Start-up funding
Capital for new businesses to cover initial costs and establish operations.
Industry-specific financing
Tailored solutions for businesses in specialised sectors with unique funding requirements. Why choose Quick Funds?
Am I eligible
for a business loan?
- Quick, transparent business loans
- Have been a resident in the UK for at least three years
- Request from £10,000 to £1M in funding
- You may need to guarantee against an asset
Why choose us
Transparent and convenient
No hidden fees or surprise charges. You’ll know exactly what you’re paying from the start, with clear terms and competitive rates.
Multiple lender network
No hidden fees or surprise charges. You’ll know exactly what you’re paying from the start, with clear terms and competitive rates.
Same-day decisions
No hidden fees or surprise charges. You’ll know exactly what you’re paying from the start, with clear terms and competitive rates.
Dedicated support
No hidden fees or surprise charges. You’ll know exactly what you’re paying from the start, with clear terms and competitive rates.
Flexible requirements
No hidden fees or surprise charges. You’ll know exactly what you’re paying from the start, with clear terms and competitive rates.
Excellent 4.8 out of 5
Real people real reviews
Comparing lenders in one place made research less stressful.
Mary
Easy to use and informative. I appreciated the clarity around timelines and requirements.
Sarah
Found the process intuitive. Comparing lenders gave me a better sense of rates and terms.
Alan
A helpful way to explore financing routes and compare what’s available.
John
The site helped me narrow down choices quickly and request quotes without hassle.
Simon
Clear explanations and a simple form. Comparing lenders saved me time.
Kevin
Quick Funds made it easy to compare lenders and understand my options. The process was straightforward from start to finish.
Jospeh K
Affordable loan
I liked being able to see different offers side-by-side. It helped me decide what suited my situation best.
-Jospeh K
Some helpful answers
What are the eligibility criteria for a business loan?
Eligibility criteria vary by lender, but most UK business loan lenders look at factors such as how long you’ve been trading, your monthly or annual turnover, your credit profile, and your business bank statements. Some lenders offer loans to startups and newer businesses, while others prefer at least 6–12 months of trading history. You don’t usually need perfect credit, as many lenders focus more on business performance and affordability.
How quickly can I receive funding?
Funding times depend on the lender and the type of loan, but many UK lenders can provide a decision within hours and release funds within 24–72 hours once approved. Faster funding is often available for unsecured or short-term business loans, provided all required information is submitted promptly.
What interest rates can I expect?
Interest rates vary based on your business profile, loan amount, term length, and perceived risk. Rates are typically more competitive for established businesses with strong cash flow, while newer or higher-risk businesses may pay higher rates. Lenders usually present costs as a fixed rate, APR, or total repayable amount, so it’s important to review the full cost of borrowing before proceeding.
Do I need to provide collateral?
Not always. Many UK business loans are unsecured, meaning you don’t need to provide assets as collateral. However, secured loans may be available for larger amounts or lower interest rates and can require property, equipment, or other assets. Some lenders may ask for a personal guarantee, especially for small businesses or startups.
What documentation will I need?
Most lenders require basic business and financial information, such as:
- Proof of identity and address
- Business bank statements (usually the last 3–12 months)
- Company details (sole trader, limited company, or partnership)
- Proof of turnover or recent accounts (if available)
Many lenders now use open banking, which can speed up the process and reduce paperwork.
Can I get a business loan in the UK with bad credit?
Yes, many UK lenders specialise in business loans for bad credit. They often focus more on your business performance, cash flow, or future potential rather than just your credit score.
Helpful Guides
How to Get a Business Loan in the UK With Bad Credit
Getting a business loan in the UK can feel challenging—especially if you have bad credit....
Ready to fund
your business growth?
Join thousands of UK businesses who have secured funding through our platform. Complete our quick eligibility check and discover your loan options today