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Business loansLast updated: 13 Nov 2026
Compare instant business loans
Instant business loans: get a decision in minutes
An instant business loan gives you a lending decision in minutes, with funds often in your account the same day. Lenders decide automatically using your business bank data and credit score, so there’s no wait for a manual review.
TRUSTED BY 200,000+ UK BUSINESSES
£2bn in funding approved
Regulated by the FCA since 2016
Access 130+ UK business lenders
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Instant loan offers from one application
Need funding fast? Connect your business bank account and instant offer lenders on our panel can check your information straight away, with no statements to send or calls to wait for. Whether you’re covering payroll, restocking or handling an unexpected bill, you can see which instant business loan lenders will say yes and compare their offers in one place.
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What is an instant business loan?
An instant business loan i finance built for speed. Instead of the multi week process typical of high street banks, digital lenders use open banking data, your business credit score and automated underwriting to make a decision quickly, in some cases within minutes. Once approved, funds can land in your business account the same day. Most instant business loans are unsecured term loans, meaning you don't need to put up property or equipment as security. You borrow a lump sum and repay it in fixed monthly instalments over an agreed term, typically between three months and five years.
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How does an instant decision work?
Getting an instant decision takes four simple steps, and most businesses hear back from lenders within minutes.
The smaller the amount, the faster the decision. For larger loans, lenders may ask for a few extra details, and you’ll usually still have an answer within the day.
What can you use an instant business loan for?
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Purchase stock, equipment or inventory
Take advantage of supplier discounts or prepare for a busy season by buying goods early.
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Smooth cash flow
Cover payroll, rent or supplier payments during seasonal dips or long invoice cycles without straining your reserves.
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Fuel your growth and expansion
Open a new location, launch a new product line or scale up operations without waiting on a slow funding process.
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Cover an emergency cost
Repair essential equipment, cover an unexpected tax bill or handle a one off expense that cannot wait.
How much can you borrow with an instant business loan?
How much you can borrow instantly depends on your turnover, trading history and business credit score, as well as how much documentation the lender needs to verify before releasing funds.
Loan amount | Typical decision speed | Common use |
|---|---|---|
£1,000 to £25,000 | Minutes to a few hours | Covering costs, small stock orders, emergency repairs |
£25,000 to £100,000 | A few hours to same working day | Cash flow, larger stock or equipment purchases |
£100,000 to £250,000+ | Same day to 24 hours | Growth projects, larger equipment or expansion costs |
Use our business loan calculator to see what your monthly repayments could look like before you apply.
Instant business loan calculator
Enter the loan terms below to see your estimated repayments.
How much do you want to borrow?
£
£50,000
£1,000£2 million
How long do you want to pay your loan back for?
2 years
3 months10 years
What is the annual interest rate?
17%
0.1%99%
Please note that some lenders may charge additional arrangement fees, which are not included in this calculation and should be considered when comparing total borrowing costs.
Loan amount£50,000
Total interest£9,333
Annual interest rate17%
Monthly interest rate1.417%
Daily interest rate0.0466%
Factor rate1.1867
Flat rate9.33%
Effective APR17.00%
Daily repayment£82.41
Annual repayment£29,667
£2,472 monthly repayment
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Am I eligible for an instant business loan?
Most UK businesses with at least six months of trading history and steady monthly income can apply for an instant business loan, though each lender sets its own criteria. Lenders will usually check that:
Every lender weighs these factors differently, so comparing several gives you a better chance of approval. With a Capitalise account, we’ll match you with the lenders on our panel most likely to say yes. If you need a larger amount, are a newer business or have a lower credit score, a quick business loan may suit you better.
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What documents do you need to apply?
Applying is quickest when you have the following ready:
You can also securely connect your business bank account through Capitalise, which lets lenders verify your trading data automatically instead of you sending statements by hand, often the single biggest factor in getting an instant decision.
How to get an instant business loan with Capitalise?
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Start your online application
Answer a few questions about how much you need and your annual turnover. We match you with the lenders on our panel best suited to your business.
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Provide your documents.
You will generally need six months of business bank statements and your last set of filed accounts, or you can connect your bank account securely to speed things up.
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Your application is sent to lenders
We send your application to multiple lenders at once, rather than you having to apply separately to each one.
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Compare offers and receive your funding
If successful, you receive one or more offers to compare side by side before choosing the right fit. Once accepted, you can usually receive funds within 24 hours.
What interest rates and fees should you expect?
When you apply for an instant business loan, lenders assess your business credit score, financial history, profitability and any assets you hold to decide what rate to offer. A stronger credit profile generally means a lower rate.
Loan type | Typical APR | Typical fees |
|---|---|---|
Unsecured instant business loan | 7% to 36% | Arrangement fee of around 1% to 3% of the loan value |
Secured business loan | 4% to 15% | Arrangement fee of around 1% to 3%, dependent on asset value |
Some instant business loans also carry an early repayment charge, so check this before you sign. Every offer you receive through Capitalise sets out the full cost, including any interest rate versus APR breakdown, so there are no surprises later.
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GET AN INSTANT BUSINESS LOAN
See your instant loan options now
If you need funding fast, start your application with Capitalise and compare instant business loan offers from our panel of 130+ UK lenders.
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Frequently asked questions
Page last reviewed on by Nick Richardson