What lenders check, how long it takes and what you can borrow.
Will there be a credit check?
All lenders will run a credit check on the directors and the business itself, this will only be done with your permission and agreement to submit an application on your behalf.
How quickly can I get a loan?
This will depend on the time it takes you to send over the information needed to apply. Once the lender has all the information to hand to underwrite the proposal, lenders often give a decision within a few working days. If you are happy to proceed, funds are usually released soon after the finance documents are signed.
What can I use a business loan for?
In reality, you can use the funds for any business rationale. This could be, buying new stock, purchasing equipment, investing in new staff, marketing or general working capital.
How much can I borrow?
The amount you can borrow will depend on a lot of factors, which include:
Business credit score
Trading history
Affordability
Personal credit score
Financial accounts
Most lenders are usually comfortable borrowing a month’s average turnover, if you require more than this, we will simply approach more than one lender. We help businesses raise unsecured funding from around £10,000 to £500,000+, with larger facilities available in suitable cases.
Can I repay my loan early?
You can always pay off your agreement early, some lenders will offer a rebate of interest charges, whilst other lenders will require the total amount repayable. It’s always worth checking your finance documents first to see if it’s beneficial to settle off an agreement early.
I’d like to say a big thank you to Simon and the team for successfully assisting with the sourcing and placing of our most recent funding. Simon was able to secure a lend when others appeared to have run out of appetite to place business or source viable options. I would highly recommend Simon should you need to raise capital or finance for your business needs.
Solicitors’ practiceManagement teamGoogle review
I manage the VFO department at an accountancy practice and contacted Simon on behalf of a client whose unique situation made him appear unsuitable for finance. I had a chat with Simon and he got straight onto the case and found a fantastic finance deal which allows my client to take his business to the next level. Finance that appeared unattainable was sorted within a short period of time.
Accountancy practiceIntroduced a clientGoogle review
Simon has raised a large level of funds for me on numerous occasions to assist me in the growth of my business through acquisition. He has never let me down when many others have, and I’m always amazed how he comes up with funding so quickly and efficiently.
Business ownerRepeat client, growth by acquisitionGoogle review
We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.
Business ownerAfter other lenders couldn’t helpGoogle review
Simon has been fantastic in supporting my business to secure suitable funding across several deals. He is fair and always gives advice that is in the best interest of his clients. I would recommend them to anyone.
Business ownerRepeat clientGoogle review
I contacted them to apply for a VAT funding loan. Simon responded within half an hour of my request and was able to confirm funding within a 24 hour period. It was the first time I have had to apply for funding owing to a short-term cash flow problem, and he made the journey so easy. Kind and highly efficient: I would highly recommend them for a fast, professional service.
Hospitality 
Retail & Online 
Healthcare & Dental 
Construction 
Transport & Logistics 
Professional Services 
Agriculture 
Franchise 
Recruitment 
Wholesale & Distribution 
