Question 1

Who is Capitalise and how can you help me secure funding?

Accepted Answer

Capitalise is an FCA-regulated platform built to support UK businesses in taking control of their financial health. We make it easy for business owners to access funding by connecting them with over 130 trusted UK lenders. Our intelligent platform matches you with lenders based on your business needs and ranks options based on past success rates - helping you make confident, informed decisions. When you apply through Capitalise, you're not alone. Every application is supported by a dedicated funding specialist who will: Guide you through your funding options Help prepare and package your application Explain the terms of any offers you receive With Capitalise, you can compare offers side by side and secure the best funding solution for your business with expert support at every step.

Question 2

What’s the difference between a quick business loan and a traditional business loan?

Accepted Answer

A traditional business loan, for example from a high street bank, typically involves a lengthy application process, detailed documentation and approval timelines that can stretch to several weeks. A quick business loan uses automated underwriting and API-connected lenders to assess your application in minutes rather than days. The trade-off is that quick loans may carry slightly higher interest rates and tend to be better suited to shorter-term funding needs, typically up to £100,000. If speed and simplicity matter more than securing the absolute lowest rate, a quick business loan is usually the right choice.

Question 3

Can I get quick business loans with no credit check?

Accepted Answer

Most business lenders will run a credit check as part of their assessment, it's standard practice that allows them to quickly assess your eligibility. However, some alternative lenders and revenue based finance providers focus primarily on your business's trading performance and bank statements rather than your credit history, which can mean they place less importance on your credit score. If avoiding a credit check is important to you, merchant cash advances are one option worth exploring, as approval is based on your card sales volume rather than creditworthiness. That said, if your concern is protecting your score while you compare options, most lenders use a soft search at the pre approval stage, which is invisible to other lenders and leaves no mark on your file. A hard search typically only happens once you formally proceed with an offer. You can check your eligibility for a quick business loan for free with Capitalise, with no impact on your credit score.

Question 4

Is a quick business loan short term?

Accepted Answer

Quick business loans are typically used for short to medium term funding needs. Repayment terms usually range from 3 months to 5 years depending on the lender and loan amount. If you need a longer term facility, for example to fund a significant capital investment, there may be better suited products available, such as a secured business loan or asset finance. At Capitalise we can show you all the options you're eligible for in one place, so you can choose what works best for your business.

Question 5

How do I get a business loan quickly?

Accepted Answer

The fastest way to get a business loan in the UK is to apply through a platform like Capitalise, which submits your application to multiple lenders simultaneously via an API connection. This means you receive offers in real time rather than waiting days for individual lenders to respond. To speed up the process further, have your 6 months of business bank statements ready before you apply. Once approved, funds can reach your account in as little as 48 hours.

Question 6

Where can I get a quick business loan?

Accepted Answer

You can get a quick business loan from a range of sources including online lenders, challenger banks, and fintech platforms. High street banks tend to be slower and more document heavy. For the fastest access to multiple offers in one application, a comparison platform like Capitalise lets you apply once and see results from 130+ UK business lenders, without affecting your credit score. This saves time and helps you find the most competitive rate for your circumstances.

Question 7

Can I get an instant business loan?

Accepted Answer

Yes, through Capitalise's Instant Offers integration, many lenders can return a decision on your application within minutes. While no lender can guarantee funds in your account instantly (same-day transfers depend on your bank), you can realistically go from application to approved offer in under an hour within 24 hours. This makes it one of the fastest routes to business funding available in the UK.

Question 8

How much does a quick business loan cost?

Accepted Answer

The cost of a quick business loan depends on your credit profile, trading history and how much you borrow, so there is no single rate that applies to everyone. As a guide, unsecured business loan rates in the UK typically start from around 7% APR for businesses with a strong credit history and can rise to as high as 90% or more for higher risk lending. Because rates vary this much between lenders, comparing offers across our panel of 130+ lenders, rather than accepting the first one you're offered, is the best way to find the most competitive rate for your business.

Question 9

What are the repayment terms for a quick business loan?

Accepted Answer

Quick business loans are usually structured as short term finance, with repayment periods typically running from around 3 to 18 months, though some lenders offer longer terms depending on the amount borrowed and your business's circumstances. Repayments are usually collected as fixed daily, weekly or monthly instalments, so it's worth checking the repayment schedule against your business's cash flow before you accept an offer.

Question 10

Can I get a quick business loan if my business is new or a startup?

Accepted Answer

A quick business loan is usually best suited to businesses that are already trading, since most lenders on our panel ask for at least 6 months of business bank statements and your latest annual accounts if you have them. If your business is very new or pre revenue, a quick business loan can be harder to access. In that case, a Start Up Loan, a government backed personal loan of £500 up to £25,000 delivered through the British Business Bank , is often a better fit until you have more trading history to show lenders.

Quick business loans

Why get a quick business loan with Capitalise?

200,000 UK businesses trust us

Business credit data powered by Experian

£2bn in funding approved

FCA regulated since 2016

What is a quick business loan?

How does a quick business loan work?

How fast can you get a quick business loan?

What do I need to get a quick business loan?

How can you speed up your quick business loan application?

What can you use a quick business loan for?

Working capital to cover payroll, rent and supplier payments

Growth, such as opening a new location, hiring or marketing

Equipment or machinery you need to keep the business running

Unexpected costs, such as urgent repairs or a tax bill

Gaps in cash flow while you wait for customers to pay

How much can I borrow with a quick business loan?

What other fast business finance options are available?

Invoice finance

Asset finance

Merchant cash advance

Working capital

Revolving credit facility

How do I get the best quick business loans?

Read more about business loans

Revolving credit facility vs business line of credit: what is the difference?

Can you get a no credit check business loan?

Best start up business lenders

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