Compare instant business loans

Compare instant business loans – Get same-day offers from UK lenders

  • Instant decisions and same-day funding available

  • Compare rates & terms from multiple UK lenders

  • No impact on your credit score

  • No obligation, no hidden fees

Smiling woman using a phone to compare business loan offers from UK lenders, with ratings and response times displayed on a mobile app.

TRUSTED BY 150,000+ UK BUSINESSES

  • £2bn in funding approved

  • Regulated by the FCA since 2015

  • Access 100+ UK business lenders

Fast business loans without the hassle

Need funding fast? We help UK businesses access instant business loan offers from a network of trusted lenders, all in one place. Whether you're covering cash flow, restocking inventory, or investing in growth, our platform makes it easy to find and compare instant loan offers in minutes.

The Capitalise Instant Business Loan feature allows you to quickly compare real-time loan options, get near-instant approval decisions, and access same-day funding, all through one simple application.

What can you use an instant business loan for?

  • Purchase stock, equipment or inventory

    If you want to take advantage of supplier discounts, or prepare for a busy season, use finance to buy your goods early.

  • Smooth cash flow

    Maintain stability during seasonal dips or long invoice cycles without straining your cash reserves.

  • Fuel your growth and expansion

    Use capital to open new locations, launch new products, or scale your business operations

Can I get an instant business loan​?

Whether you can get a instant business loan depends on a few factors, such as the type of loan you want and the lender you apply to. If you're applying to a UK lender, your business must be based in the UK.

Lenders will check a few key things before offering a loan, as they want to make sure your business is able to repay it. Here’s what they often look for:

Each lender is different, so it’s a good idea to compare a few options. Your Capitalise dedicated funding specialist will guide you through the process and help you apply to instant business loans.

Business loan calculator

Use our free business loan calculator to see how much your business could borrow. See what your monthly repayments are likely to look like, as well as the total cost including interest.

What do you need the funding for?

Funding for covering costs e.g. tax or payroll. These are typically unsecured loans.

How long do you want to pay back your loan for?

How much do you want to borrow?

£25,000

Interest rate

Typical business loans to cover costs range from 7% - 16% APR depending on the duration, amount and lender.

Loan amount

£ -

Total interest amount

£ -

11% APR over a 3 years.

Total repayment amount

£ -

Total monthly repayment

£ - / month

Not sure what you can afford?

Sign up to check your affordability

How to get an instant business loan?

Here’s how to get the best business loan with Capitalise: 

  1. Start your online business loan application. You will need to answer a few questions, including how much you need to borrow and what your business’ annual turnover is. Our platform then matches you with the lenders best suited to your needs.

  2. Get support from one of our dedicated funding specialists. They will tell you which documents you need to provide and put together your application and which lenders are eligibile for instant loans.

  3. Provide your documents, generally you’ll need at least 6 months business bank statements and your last set of filed accounts. We offer the option to connect your business bank account securely to simplify the process 

  4. We will send your application to multiple lenders at once. 

  5. If successful, you’ll receive multiple offers.

Great company, would recommend 100%. Customer service is lovely.

Brigita

Business owner

I am extremely grateful for the outstanding assistance provided throughout the loan application process. Their expertise made a complex and often daunting process feel manageable and straightforward.

Alex

Business owner

Capitalise were outstanding from start to finish. Finding funding options was made easy and their customer care team is first class.

Geoff

Business owner

What interest rates and fees should you expect with an instant business loan?

When you apply for an instant business loan, lenders will check the creditworthiness of your business. They will look at your business credit score, financial history, profitability, and any assets you own. This evaluation helps the lender see the risks of lending to your business. It also helps them decide what rates to offer.

Some instant business loans will also include an initial arrangement fee, or early repayment fees. The full loan agreement will always outline these fees if you receive an offer.

If you apply for a instant loan with Capitalise, you'll get support from our expert funding specialists. They will help you understand all the costs involved. This way, you will know what to expect, we’ll work with you to ensure there are no surprises.

APPLY AND COMPARE LENDERS TODAY

See your instant loan options now

Check your eligibility instantly, receive dedicated expert support and compare your offers - all in one place, with Capitalise

Frequently asked questions