Guavas Finance UK - Leading Finance Services in UK for Small Business.
  • Business Loans UK

Funding in days, not weeks.

Secure the capital your business needs to grow.
We compare 50+ UK lenders to find you the best rates, fastest approval, and most flexible terms.
  • Borrow from £10K to £5M+
  • Same-day decisions available
  • No impact on your credit score
  • Secured and unsecured options
  • 50+ lenders compared      
  • No credit impact
  • Free & no obligation

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Client Stories

Trusted by UK businesses

Logistics

"I worked with Martin Tait who was wonderful. It was difficult getting my business credit but he kept at it and came through for us. I can not rate this company or person highly enough. I would highly recommend them."

L
UK Logistics Company
Start-up

"They definitely saved us a load of time and hassle. Rather than us having to spend weeks chasing different lenders, they did all the heavy lifting and came back with a solution that actually fit. Made the whole process from initial enquiry to getting the facility in place a lot more straightforward than I'd anticipated. "

S
UK Security Company
Transport

"They obviously know the market well and found the right product for us, helping us save a fair bit compared to what we were initially looking at. A solid service all round."

T
UK Transport Company

Which Type Is Right For You?

Secured vs Unsecured Business Loans

  • Secured Business Loans
Backed by business assets such as property, equipment, or vehicles. Securing the loan against collateral means lenders offer higher amounts, longer terms, and lower interest rates.
  • Higher borrowing limits (up to £5M+)
  • Lower interest rates (from 4.9% APR)
  • Longer repayment terms (up to 25 years)
  • Ideal for property, expansion, or large investments
Best for established businesses with assets seeking larger amounts at lower rates
  • Unsecured Business Loans
No collateral required. Approval is based on your business revenue, trading history, and creditworthiness. Faster to arrange but typically comes with higher rates.
  • No assets required as security
  • Faster approval (same-day possible)
  • Typically £10K to £500K
  • Ideal for working capital, stock, or short-term needs
Best for SMEs needing fast capital without tying up assets
Not sure? Calculate your repayments

Business Loans by Industry

Tailored for your sector

Growth & Expansion
Fund new premises, hire staff, enter new markets, or acquire a competitor. Term loans from 1-5 years with fixed monthly repayments give you certainty to plan ahead.
  • Average deal size: £180K
Learn more
Working Capital
Bridge seasonal gaps, cover payroll during slow periods, or stockpile inventory ahead of a busy season. Short-term facilities from 3-12 months keep the business moving.
  • Approval in as little as 24 hours
Learn more
Bad Credit Options
Declined by your bank? A poor credit history doesn't mean no options. We work with specialist lenders who assess your business on revenue and potential, not just your credit file.
  • 85% of our bad credit clients funded
Learn more
Start-up Funding
Launching a new venture? Access government-backed start-up loans from £500 to £25,000, or connect with lenders who specialise in early-stage businesses with limited trading history.
  • Start-up loans from just £500
Learn more

Why a Business Loan

Benefits of business loans for UK SMEs

Capital for any business purpose

Unlike restricted grants or asset finance, a business loan gives you a lump sum to use however your business needs — expansion, stock, marketing, hiring, or bridging a gap. You decide.

Predictable monthly repayments

Fixed-rate business loans mean your repayment stays the same each month. No surprises, no variable rates creeping up. This makes cash flow planning straightforward and stress-free.

Fast access when it matters

Traditional bank loans take 4-8 weeks. Through our lender panel, same-day decisions and next-day funding are available on many products. Speed matters when opportunities arise.

Build your business credit

Successfully repaying a business loan strengthens your credit profile, making future borrowing easier and cheaper. It's an investment in your business's financial future.

Keep full ownership

Unlike equity funding, a business loan doesn't dilute your ownership. You retain complete control of your business and its direction. The lender has no say in how you run things.

Options for every profile

Whether you've been trading for 6 months or 20 years, have excellent credit or a few marks on your file — our panel of 50+ lenders means there's likely an option that fits your situation.

Eligibility

What do lenders look for?

Every lender is different, but these are the common factors that affect your application.

Lenders review your personal and business credit profile to assess repayment risk. A strong credit history improves your chances of favourable rates, but poor credit doesn't disqualify you — specialist lenders assess affordability differently.
Most lenders require a minimum of 6-12 months trading. Start-ups under 6 months may qualify for government-backed start-up loans or revenue-based lending if they can demonstrate demand.
Your turnover helps lenders gauge repayment capacity. Many lenders require a minimum of £50,000-£75,000 annual turnover, though some specialist providers work with businesses from £10,000+.
Lenders typically request bank statements (3-6 months), management accounts, and sometimes filed accounts. These demonstrate cash flow health, profitability, and your ability to service the loan.
Having a clear, well-defined purpose for the funds strengthens your application. Whether it's equipment, expansion, stock, or working capital — lenders want to see a plan for how the money will generate return.
For secured loans, you'll need assets to pledge — typically property, equipment, or vehicles. The value and type of collateral affects how much you can borrow and at what rate. Unsecured loans skip this requirement entirely.
Not sure if you qualify? Try the calculator

How Business Loans Work

Three steps to securing your business loan

01

Tell us what you need
Complete a short form with your loan amount, business details, and what the funding is for. Takes 60 seconds — no credit check at this stage.

02

We find your best match
Our team compares options from 50+ lenders to find the best rates and terms for your profile. You receive personalised quotes within 24 hours.

03

Get funded fast
Choose the offer that works for you. Once approved, funds can land in your account the same day. No hidden fees, no surprises.

Frequently Asked Questions

Business loans FAQ

Business loans provide a lump sum of capital that you repay over a fixed period with interest. They can be used for virtually any business purpose — expansion, working capital, equipment, stock, marketing, or bridging seasonal gaps. Guavas Finance compares options from 50+ UK lenders to find the best rates and terms for your specific situation.
You borrow a fixed amount and repay it in regular monthly instalments over an agreed term (typically 3 months to 5 years). The interest rate can be fixed or variable depending on the product. Secured loans require collateral (property, equipment, etc.) while unsecured loans are based on your revenue and creditworthiness.
Yes. While a poor credit history may limit your options with high-street banks, specialist lenders assess applications differently — looking at your current revenue, business potential, and cash flow rather than just your credit score. We work with multiple bad credit specialists and have an 85% success rate for clients with adverse credit. Learn more in our guide to bad credit business loans.
Through our lender panel, same-day decisions are available on many products. Once approved, funds can reach your account within 24-48 hours for unsecured loans. Secured loans typically take 5-10 working days due to the valuation process. Traditional bank loans, by comparison, usually take 4-8 weeks.
The main types include traditional term loans (fixed amount over fixed period), unsecured business loans (no collateral needed), secured business loans (backed by assets for better rates), start-up loans (government-backed for new businesses), revolving credit facilities (draw down and repay flexibly), and merchant cash advances (repay from card transactions).
Business loans through our panel range from £10,000 to £5M+. The amount depends on your turnover, trading history, credit profile, and whether you're offering security. As a rough guide, most lenders will offer up to 2-3x your annual revenue for unsecured facilities, and more for secured loans.
At minimum, you'll typically need 3-6 months of business bank statements, your latest filed accounts or management accounts, proof of identity, and details of what the funding is for. Some lenders may also request a business plan, cash flow forecast, or asset valuations for secured loans. We'll guide you through exactly what's needed.
It depends on your situation. If you have outstanding B2B invoices and need to bridge cash flow gaps, invoice finance may be more suitable and cheaper. If you need a lump sum for a specific purpose (expansion, equipment, stock), a business loan is typically the better fit. We can advise on the best option — or a combination of both.

Ready to secure your business loan?

Choose the path that fits where you are right now

Download the Guide

Free PDF guide to business loans for UK SMEs.
Types, rates, and what lenders look for.

Email me the PDF
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Takes 60 seconds, no credit impact.

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Privacy Policy Cookie Policy Terms of Use Data Protection Notice

© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK

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