Live: matching your case against 300+ UK lenders
Instant business loan quotes, without the hassle.
Compare the whole market in minutes.
Get instant quotes from lenders on our panel, then our expert brokers search 300+ UK lenders to place your case with the right ones.
- No credit search
- Free, no obligation
- No documents to start
- Broker support
Up to 1 year
Up to 7 years
Up to 6 years
Up to 8 years
Up to 10 years
- 1Get started
- 2Your business
- 3Your details
- 4Your results
We ask a little more than when you first got your quotes, so lenders see the full picture. Please answer the questions below; your other answers are saved.
Finding your funding options…
We're matching your details with the kinds of funding that suit your business. This won't take long.
Your instant quotes
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Quotes are indicative, worked out from your answers and each lender's current rates and limits. Your actual offer depends on the lender's own checks. All finance is subject to status.
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We've built it from your answers. A few quick taps help us tell your story the way lenders like to hear it.
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Lenders confirm their quote from your last 3 months of business bank statements and your latest accounts. Upload them now and we can go to the lender straight away.
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Frequently asked questions
Why are some amounts different to what I asked for?
Each lender has its own limits, and most look at the amount you want compared with your sales. Short-term lenders usually lend up to about one month's turnover, and longer loans up to about a quarter of your yearly turnover. Profitable professional practices with nothing adverse are quoted the amount they ask for, up to each lender's own limit. Where there are HMRC arrears, missed payments, or a loss the business hasn't yet turned back into profit, amounts stay close to one month's turnover. We show the most each lender is likely to offer on your answers.
Am I guaranteed these amounts and rates?
No. Your quotes are indicative, worked out from your answers and each lender's current rates and limits. The lender confirms the amount and rate after looking at your bank statements and accounts and running its own checks. All finance is subject to status.
What are the types of business loan rate?
Most loans have an annual interest rate. Merchant cash advances and some short-term finance use a factor rate instead: a factor rate of 1.20 means you repay £1.20 for every £1 you borrow. Invoice finance charges a discount rate on what you draw, plus a service fee.
Can I apply with more than one lender?
Yes. Press "Get this quote" on as many quotes as you like and send your documents once. A broker puts your application to each lender you chose, so you can compare firm offers before anything goes ahead.
What happens when I choose a quote?
You upload your last 3 months of business bank statements and your latest accounts. A broker checks everything, approaches the lender for you and comes back with a firm offer. Nothing goes ahead until you accept.
Will this affect my credit score?
No. Getting your instant quotes does not involve a credit search. Lenders only run their own checks, with your permission, when you go ahead with an application.
What is a personal guarantee?
A personal guarantee is a promise from a director that they will repay the loan if the business can't. Most unsecured business lenders ask for one.
Are you a lender?
No. We are a credit broker, not a lender. We compare lenders on our panel and arrange the finance for you.
A simple 4 step process.
From enquiry to funding, we keep it straightforward.
- 1Tell us about your businessA few simple questions to get started.
- 2We compare the marketInstant quotes, then our brokers search 300+ lenders.
- 3Review your optionsWe show you the best options for your business.
- 4Get fundedWe support you through to completion.
Prefer to talk?
Speak to a broker.
Not sure what you need or have a more complex requirement? Our team is here to help.
Lines open Monday to Friday, 9am to 5pm.
- Expert advice from real people
- Access to 300+ lenders
- No obligation
- We handle the process from start to finish
Instant business loan quotes, with no credit search
Instant Quotes shows you which lenders on our panel fit your business, roughly how much each could lend, an example rate and the monthly cost, as soon as you have answered a few questions. It is free, there is no obligation, and getting your quotes involves no credit search. A broker then takes your case to the lenders you choose and searches 300+ UK lenders in case there is a better fit.
How instant is an instant business loan?
Your quotes are instant: they are worked out from your answers the moment you finish. The money follows once a lender has looked at your bank statements and accounts and run its own checks, so treat any promise of "instant approval" before a lender has seen your business with care. Short-term loans and merchant cash advances can usually be arranged sooner than secured loans, which take longer because of valuations and legal work. Our guide to how instant business loan quotes work explains what a quote tells you and what changes once a lender makes its offer.
Business loans with no credit check: what is possible?
Lenders check a business, and usually its directors, before they lend, so a business loan with no credit check at all is not something we can arrange. What you can do is see your options first without a credit search. Lenders only run their checks, with your permission, when you choose to apply. If your credit history is not perfect, some lenders on our panel will still consider you: see bad credit business loans.
Am I eligible for a business loan?
Lenders mainly look at how long you have been trading, your turnover, whether you are profitable, how your bank account is run, your credit history, your sector and what the money is for. Instant Quotes asks about most of these and applies each lender's own criteria to your answers; your bank statements come later, when you apply. Start-ups and sole traders can use it too.
Instant business loans: common questions
Can I get an instant business loan?
You can get instant quotes: Instant Quotes works out indicative quotes from lenders on our panel as soon as you answer a few questions. The loan itself follows once a lender has seen your bank statements and accounts and run its own checks. Some lenders can move quickly once they have your documents, and a broker keeps things moving for you.
Can I check if I'm eligible for a business loan without affecting my credit score?
Yes. Getting your instant quotes involves no credit search, so it has no effect on your credit file. Lenders only run their own checks, with your permission, when you choose to apply.
Can I get a business loan with no credit check?
Lenders check a business, and usually its directors, before they lend, so we can't arrange a loan with no credit check at all. What you can do is see your options first without any credit search, and some lenders on our panel will consider businesses with adverse credit.
How much can I borrow?
We arrange business finance from £10,000 to £20 million across the market. Your instant quotes show the most each lender on our panel is likely to offer on your answers, which mostly depends on your turnover, how long you have traded and what the money is for.
Does it cost anything?
Instant Quotes is free to use and there is no obligation. If you go ahead, any fees depend on the lender and the deal, and there is nothing to pay upfront.
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.