Business Loans · £5,000 – £5,000,000

Business loans that keeps your Business moving forward

From sole traders to established companies, we secure fast, fair business loans from a panel of 75+ UK lenders, with one expert looking after you from first call to funds in the bank.

Check your eligibility or call 01234 413349

Takes 2 minutes · Won't affect your credit score

£385,000 Recovery vehicles & transporters · funded in 24 hrs £120,000 Café fit-out & equipment · Bedford £500,000 Manufacturing working capital · beat the bank's rate £45,000 Start-up growth loan · same-day drawdown £385,000 Recovery vehicles & transporters · funded in 24 hrs £120,000 Café fit-out & equipment · Bedford £500,000 Manufacturing working capital · beat the bank's rate £45,000 Start-up growth loan · same-day drawdown
FCA Authorised
75+UK lenders
24 hrstypical decision
Noupfront fees
★★★★★rated on Google

A national broker with a personal touch

We've helped businesses the length and breadth of the UK, from a single van to fleets, from start-ups to multi-site operations. Big enough to deliver, small enough to care.

£125m+
Funding arranged
400+
UK businesses backed
75+
Lenders on our panel
24hr
Typical decision time
“
Within 24 hours Chris and the team had secured a suitable lender and the funding reached us the same day. Amazing service.
Customer photo
Start-up business owner
Working capital · Google review
★★★★★
They found the best interest rates for my business. I'll definitely be recommending them to other people.
Customer photo
Expanding business owner
Business loan · Google review
★★★★★
From start to finish the whole process was smooth and quick. Absolutely fantastic company to deal with.
Customer photo
Restaurant owner
Hospitality · Google review
★★★★★

Prefer to talk it through with a person?

Call 01234 413349

Real advisers, not a call centre · Mon–Fri, 08:30am–5:00pm

What it's for

One loan, a hundred reasons to grow

Working capital

Smooth out cash-flow gaps and seasonal dips so the day-to-day runs without stress.

Growth & expansion

Open a new site, hire your next team, or move into new markets with confidence.

Stock & inventory

Buy ahead of demand and win bigger orders without draining your reserves.

Tax & VAT funding

Spread Corporation Tax, VAT or Self-Assessment over manageable payments.

Refinancing

Consolidate higher-cost debt into one simpler, more affordable monthly payment.

Unexpected costs

Cover urgent repairs, supplier demands or one-off pressures, fast.

Not sure which option fits? Let's find the right one together.

Talk to an expert

Your options

The right loan for the job

Unsecured

Unsecured loan

Borrow without putting up assets as security. Fast to arrange and based on how your business trades, not just its balance sheet.

Best for working capital & quick growth
Secured

Secured loan

Secured against business assets or property, typically unlocking larger sums and longer terms at competitive rates.

Best for bigger projects & lower rates
Short term Loan

Short-term funding

Fast, flexible cash for a defined need, repaid over a shorter window so you're not committed for years.

Best for bridging a one-off gap

Funded in three simple steps

01

Tell us about your business

A two-minute eligibility check that won't affect your credit score.

02

We search 75+ lenders

Your dedicated account manager finds the best fit — not just the first offer.

03

Get funded

Once approved and signed, funds land in your account, often the same day.

Real deals, real results

Recently funded

£450,000
Construction Main Contractor

Large loan to take on additional works, approved same week and saved the customer £79,500 against a competitors offer!

Delivered by Curt
£75,000
Start-up Business

Approved same day for a new start food manufacturing business to import additional equipment from abroad.

Delivered by Rickesh
£500,000
Retail & leisure

Consolidation Loan to reduce overheads for an established leisure facility. Consolidating multiple debts into a more competitive and longer termed facility. .

Delivered by Chris

Business loan FAQs

How much can I borrow?
We arrange business loans from £5,000 to £1,000,000. The right amount depends on your turnover, trading history and the lender. Your account manager will guide you.
How quickly can I get the funds?
Many applicants receive a decision within 24 hours, and once approved and signed, funds can often reach your account the same day.
Do I need to secure the loan against assets?
Not necessarily. Unsecured loans don't require assets as security, while secured loans can unlock larger sums and longer terms. We'll talk you through which suits your situation.
Can newer businesses apply?
Yes. We work with lenders who consider new-start business loans and early-stage businesses, as well as those with a longer trading record.
What will it cost?
As a credit broker we compare the market to find competitive terms. Rates depend on the lender and your circumstances, and we'll set out the costs clearly before you commit. We may receive a commission from the lender, which varies and is confirmed before you proceed.
Do you charge upfront fees?
No, unlike many brokers we do not charge upfront fee’s. We make our money from the banks.

Ready to get started?

Let's fund your next move

Speak to an Account Manager now, or check your eligibility online in two minutes. No impact on your credit score.

Call our team: 01234 413349 Check your eligibility online

Access Business Finance Ltd is a credit broker, not a lender, and an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We may receive a commission from lenders, which varies by lender and will be confirmed before you proceed.

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