Compare loans using our smart search technology.

HSBC Barclays iwoca Funding Circle fleximize YouLend
Business Owner

Friendly UK-based advisors on hand via app or phone

Our app can be used 24/7 or speak to one of our business advisors.

  • Upload documents
  • Track your progress
  • Send and receive messages
  • Chat with a Business Advisor

Get your personalised quote today

Our team are on hand to answer questions or advise you on the right options, if and when you need us.

  1. Check if you qualify in 60 seconds

    Quickly send your details to multiple lenders, saving
    time with one application instead of many!

  2. Get an online decision

    If approved, you'll get a personalised, no obligation
    quote

  3. Expert guidance at every step

    Track your progress and message via our app (24/7)
    or talk to your business advisor.

  4. Funds paid out typically within 48 hrs

    Once you have accept your offer, funds can be
    deposited within the same day.
Check now

Won’t harm your credit score

Business Loan Product types

Whether you're looking for immediate working capital, financing for new equipment, or funds to support long-term growth.

We have a product that's right for you.

Up to 6 years
Rates from 6.9% per month

We provide quick access to capital without the need for collateral.

Whether you’re managing cash flow or expanding your business, we connect you with the best unsecured funding options from across the market.

No delays, no assets required—just straightforward finance to keep your business moving.

1 mth to 3 years
Rates from 0.75% per month

We offer comparison across all major short-term finance solutions to help businesses manage cash flow, cover unexpected costs, or seize new opportunities.

With quick approvals and flexible terms, our whole-market approach ensures you get the right funding, exactly when you need it.

We make it easy to acquire essential equipment, vehicles, or machinery without large upfront costs.

Our asset finance solutions allow you to spread payments over time, keeping cash flow steady while ensuring your business has the tools to grow.

With access to a wide range of lenders, we help you secure the best terms to keep your business moving forward.

We help businesses access the Growth Guarantee Scheme, providing government-backed funding to support expansion, investment, and innovation.

Whether you need working capital, equipment, or resources to scale, this scheme offers competitive terms and flexible repayment options.

With our expert guidance, we’ll connect you to the right lenders.

Higher Funding, Better Rates.

Our secured business loan options provide access to larger funding amounts with more competitive rates by using assets as collateral.

Whether you’re expanding, refinancing, investing in new equipment, or managing cash flow, we connect you with the right lenders to secure tailored finance solutions.

Unlock the capital your business needs with flexible terms and expert support.

Fund your future with a
Business Loan

Our loans have flexible repayments and can be
used to buy new stock, invest in growth plans, or
just keep your cash flow smooth

No fees to settle early

Easy application

Loans tailored to your needs

Check now

Won’t harm your credit score

Common Questions?

To apply for a business loan, lenders typically require:

  • Filed accounts:
    At least one year of financial statements.
  • 12 months of banking history:
    Ideally provided through Open Banking for faster processing.
  • VAT returns:
    Required in some cases to verify revenue.
  • Aged debtor reports:
    Sometimes requested to assess outstanding invoices and cash flow.

Providing accurate and up-to-date documents increases your chances of approval and helps lenders determine the right loan terms for your business..

  • Business loans are designed for companies and assessed based on business performance, turnover, and credit history. They typically offer higher borrowing limits.
  • Personal loans are based on individual creditworthiness and can be used for various purposes, including business, but often have lower borrowing limits and stricter affordability checks.

If you’re borrowing for business purposes, a business loan is generally the best option as it keeps your personal and business finances separate.

  • Revolving Cash Facility:
    A flexible credit line that lets you borrow and repay as needed, similar to an overdraft. You only pay interest on what you use.
  • Term Loan:
    A fixed loan amount repaid over an agreed term with set monthly repayments. Best for funding specific investments or long-term growth

Revolving facilities are great for managing cash flow, while term loans suit structured investments.

  • Purpose of the loan
    Short-term cash flow vs. long-term investment.
  • Repayment flexibility:
    Do you need structured repayments or a revolving facility?
  • Cost of borrowing
    Compare interest rates, fees, and total cost.
  • Speed of funding:
    Some lenders provide funds within 24-48 hours, while others take longer.

Working with a broker like Binq ensures you access the best loan tailored to your business needs.

  • Expert knowledge:
    We understand the market and match you with the right lender.
  • Whole-market access:
    We work with multiple lenders to secure the best terms.
  • Preferential rates:
    Our relationships with lenders mean better rates and terms for you.
  • Faster approvals:
    We streamline the process, ensuring quick decisions and funding.

Lenders assess several factors, including:

  • Financial health:
    Turnover, profitability, and cash flow stability.
  • Banking activity:
    Regular revenue, minimal returned payments, and healthy balances.
  • Credit history:
    Business and, in some cases, director credit scores.
  • Existing debt obligations:
    Can your business manage additional borrowing?
  • Industry risk:
    Some sectors are considered higher risk than others.

Providing clear, accurate financials increases your chances of approval.