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Business Loans
Flexible Funding for Your Trade Business
Unsecured business loans designed for tradesmen. Use the funds for anything your business needs - expansion, stock, marketing, or bridging cashflow gaps.
Rates from 7.9% APR
Representative example: £25,000 over 36 months at 9.9% APR representative
Same-Day Decisions
N/A Min Deposit
4.9/5 on Google
£500K
Max Loan
Same Day
Decisions
Unsecured
No Assets Needed
Why Choose Our Business Loans?
We specialise in business loans for tradesmen with flexible options to suit your business
Same-Day Decisions
Apply in the morning, get a decision by end of day
Unsecured Options
No need to put up property or vehicles as security
Use for Anything
Stock, expansion, marketing, staff - you decide how to use it
Rates from 7.9% APR
Competitive rates based on your business profile
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Growth & Expansion
- Take on larger contracts
- Open new premises
- Enter new markets
- Hire additional staff
Stock & Materials
- Bulk buy materials
- Seasonal stock
- Supplier discounts
- New product lines
Marketing & Sales
- Website & digital marketing
- Vehicle livery
- Trade show attendance
- Brand development
Cashflow Management
- Bridge payment gaps
- Cover slow-paying clients
- Seasonal fluctuations
- Tax payments
Understanding Your Options
Different finance types suit different needs. Here's what you need to know.
Unsecured Business Loan
Borrow based on your business performance without putting up assets as security. Higher rates but lower risk to your assets.
You own the asset at the end
Tax Benefits:
Interest payments are tax-deductible as a business expense.
Best For:
Quick funding needs where you don't want to risk assets.
Secured Business Loan
Use property, vehicles, or equipment as security for lower rates and higher borrowing limits.
You own the asset at the end
Tax Benefits:
Interest payments are tax-deductible. Potential capital allowances if used to buy assets.
Best For:
Larger amounts where you have assets to secure against and want the best rates.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"Needed working capital to take on a big contract. Got approved for £40k in one day and had the money 48 hours later. That contract made us £25k profit."
James K.
Builder • Liverpool
JK Construction
Financed £40,000"Used the loan to bulk-buy materials when suppliers had a sale. Saved 20% on materials for 6 months' worth of jobs. The loan interest was nothing compared to the savings."
Alan P.
Plumber • Newcastle
A.P. Heating & Plumbing
Financed £15,000"Took a loan to invest in marketing and a new website. Enquiries doubled within 3 months. Best business decision I've made."
Sarah L.
Decorator • Oxford
SL Decorating
Financed £8,000Ready to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best business loans deal for your business.
No impact on your credit score for initial quote
Competitive rates from our panel of lenders
Dedicated trade finance specialist assigned to you
Support throughout the entire application process
Representative Example:
Borrow £25,000 over 36 months. Monthly payment: £795. Total repayable: £28,620.9.9% APR representative.
Business Loan Quote
Flexible funding for growth
Frequently Asked Questions
Got questions about business loans? We've got answers.
Anything that helps your business - expansion, equipment, stock, staff, marketing, cashflow, refurbishment, or working capital. Unlike equipment finance, there are no restrictions on how you use the funds.
Business loans range from £5,000 to £500,000. The amount you can borrow depends on your annual turnover, trading history, and credit profile. Typically, you can borrow up to 50% of annual turnover.
Not always. We offer unsecured business loans up to £250,000 based on your business performance. For larger amounts or better rates, secured options using property or assets are available.
Most lenders require at least 6-12 months of trading history. Some start-up loans are available for newer businesses with strong business plans, though rates may be higher.
Typically: 3 months' business bank statements, latest accounts or tax returns, proof of identity, and proof of address. We can often get an initial decision with just bank statements.
Same-day decisions are standard. Once approved and paperwork signed, funds are usually in your account within 24-48 hours. For urgent needs, some lenders offer same-day funding.
Initial quotes use a "soft search" that doesn't affect your credit score. A full credit check (which may leave a mark) only happens when you formally apply after accepting a quote.
Yes, most of our business loans allow early repayment. Some have early settlement fees (typically 1-2 months' interest), while others have no penalties. We'll confirm the terms before you commit.
Yes, interest on business loans is a tax-deductible expense. This effectively reduces the real cost of borrowing. Consult your accountant for advice specific to your situation.
Yes, we work with lenders who consider all credit backgrounds. Your trading history and current business performance often matter more than past credit issues. Rates may be higher but options exist.