finance options - small business loans
Small business loans: Compare lenders & apply
Unlock your company’s full potential with access to over 100 UK lenders with Capitalise.
You can instantly check what you can afford without impacting your credit score, with loans ranging from £5,000 to over £5 million available in as little as 48 hours.
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TRUSTED BY 100K+ UK BUSINESSES
£1.8bn in funding offers
Regulated by the FCA since 2015
Trusted by 100,000+ UK businesses
How do small business loans work?
Small business loans provide your business with a lump sum of money that must be repaid over a set period, typically with interest. The terms, interest rates, and repayment schedules vary depending on the lender and the specific loan product. Some small business loans work by requiring the business to have collateral.
This means the loan is secured against an asset, which the lender can claim if the loan isn’t repaid. While others may be unsecured, meaning they do not require collateral. Instead unsecured small business loans rely on the business's credit score and financial reliability to ensure repayment.
Great company, would recommend 100%. Customer service is lovely.
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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.
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Alex
Business owner
Capitalise were outstanding from start to finish. Finding funding options was made easy and their customer care team is first class.
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Geoff
Business owner
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
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
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Why use a small business loan?
Getting a small business loan can be a smart way to help your business grow and keep your finances in check. This extra money can be used to improve your operations, expand your services, or simply keep things running smoothly. Here's how you might use a small business loan:
Small business loan calculator
Before applying for a loan, it's helpful to estimate your potential loan repayments. Our small business loan calculator helps you estimate your monthly repayments based on the loan amount, interest rate, and repayment term.
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 affordabilityWould I be eligible for a small business loan?
To be eligible for a small business loan, you generally need to:
Lenders may also look for positive cash flow, or a solid business plan to achieve positive cash flow as part of their assessment.
If you don't meet these criteria, it doesn't mean we won't be able to help you get a business loan. However, meeting these requirements will maximise your chances of approval and give you more options.
How to apply for a small business loan
Here's a step by step of how the process of applying for a small business loan works with Capitalise:
What documents will I need to apply for a small business loan?
Typically, you'll need to provide the following documents when you apply for a small business loan:
What are the different types of small business loans?
Types of small business loans | Pros | Cons | Best for |
No personal guarantee small business loans | No risk to your personal assets | Can come with higher interest rates | Businesses without sizable assets |
Business lines of credit | Flexible use | Potential for high fees | Ongoing operational expenses |
Invoice finance | Immediate cash flow from unpaid invoices | Depends on client payments | Businesses with delayed payment cycles |
Asset finance | Spread the payments of expensive equipment | Depends on the value of the asset | Acquiring high-value equipment |
Merchant cash advance | Easier on cash flow as repayments are based on sales | Higher cost of borrowing | Businesses with high credit card sales |
Short term small business loan | Quick access to funds | Higher monthly repayments | Short-term financial needs |
Long term small business loan | Lower monthly payments | Longer debt commitment | Large, long-term investments |
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Let Capitalise help you with your small business loan
Compare your options from 100+ business lenders.