Frequently Asked Questions

We consider each application individually, but any missed payments or adverse credit information must be explained fully and satisfactory evidence provided, if necessary.

Unfortunately, we cannot lend to you if you have a County Court Judgment (CCJ), have been declared bankrupt or are about to enter an Individual Voluntary Arrangement (IVA).

All of our interest rates are fixed for the entire term of your loan so you can be assured you won’t receive any interest rate rises.

A business loan is intended for business use only such as buying stock or upgrading equipment whereas a personal loan is intended for personal use such as financing a car.

Complete our initial enquiry form in less than 3 minutes. If your business is eligible, you will be assigned a dedicated business adviser who will support you throughout your loan application to ensure your application contains all the required documents and your business meets all the necessary criteria for a successful application. To help with your loan application, check out our loan fund assessor’s top tips for a successful loan application.

Please note this does not guarantee a successful loan application.


In the case of sole traders and partnerships, the business owners should apply. Limited companies require an application from all directors. In some cases, we may request that shareholders who are not directors also be signatories to the loan if they are instrumental to the running of the business.

Depending on your circumstances, you can borrow from £500 to £250,000*. To find out how much you can borrow, complete an initial enquiry form here.



No, all of our loans come with a no early repayment fee guarantee.


Every application is different but successful applicants can expect their loan application and approval process to take an average of 2-4 weeks with funds being deposited into your bank account within 2-3 days for start-up loans and within 1-2 weeks for other loan funds.

No, business loans are loans intended for business use and have to be repaid within the loan term at the agreed interest rate. Grants do not have to be paid back.



No, you can only apply for a start-up loan for one business. If you own multiple businesses, you will only be able to access finance for one of them. However, if you later require additional funding in order to grow and develop that business, you may be eligible to apply for a second loan. This will require a new application and you must have made at least six months of full loan repayments before applying.

Please note your total outstanding loan balance cannot exceed £25,000 at any one time.