Long-term loans

Borrow £5,000 - £500,000 over up to 6 years. Funds in 24 hours.

Good service, couldn't help enough in all honesty, regular communication and updates.
Jordi
Tytan Tanning, Birmingham
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Long-term finance solutions for businesses

Ready to take your business to new heights? Our long-term business loans are designed to be as flexible as your dreams. Whether you're planning a big expansion, investing in new gear, or just need a little extra push, we've got loans from 1 to 6 years to suit any purpose. So, what are you waiting for?

Credit score not affected

Yep, that's right - your credit score stays safe while exploring loan options with us. We keep it worry-free until you're ready to dive in. Interest rates as low as 8.9%

Transparent Interest Rates

Interest rates can seem scary, but we will always be transparent with you. You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.

Unsecured loans up to £500,000

Borrow up to 500,000 quid (imagine what you could do with that) for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).

It won't impact your credit score
Credit score not affected

Yep, that's right - your credit score stays safe while exploring loan options with us. We keep it worry-free until you're ready to dive in. Interest rates as low as 8.9% (flat rate)

Transparent Interest Rates

Interest rates can seem scary, but we will always be transparent with you. You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.

Unsecured loans up to £500,000

Borrow up to 500,000 quid (imagine what you could do with that) for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).

Learn more

What is a long-term loan?

Think of a long-term loan as the marathon runner of financing options. Sticking with you over the long haul, providing the financial stamina to tackle big projects, expand your operations, or invest in significant upgrades. Our long-term loans range from one to six years, depending on your needs. With the flexibility of extended repayment periods and the power to fuel substantial growth, a long-term loan is your go-to for making those grand business dreams come true. So, lace up and let’s go the distance together!

Love your finances again

Benefits of long-term loans

Financial stability

Long-term loans act as your financial safety net, always there with predictable monthly payments that make budgeting a breeze and keep your cash flow in check.

Lower monthly payments

Why stress over hefty payments? Spread the cost over a longer period, enjoy lower monthly instalments, and have more cash on hand for all those exciting business expenses.

Fixed interest rates

Surprises can be fun, but more in the form of a cake than a rising interest rate. We offer fixed interest, giving you peace of mind and shielding you from the wild rollercoaster of market rates.

Credit rating improvement

Want to impress future lenders? Making your loan repayments on time is like adding a shiny gold star to your credit rating, making future financing a walk in the park.

Love Finance secured the best loan for my business in less than an hour - my only regret is not biting their hand off on the first call.
Jack
Eight Engines, Manchester

Check if you're eligible today!

£70 000
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Types of long-term loans

What we can offer

24-month loan

Looking for a bit more time? Our 24-month loans offer the flexibility to tackle larger projects or investments, with manageable payments spread over two years.

36-month loan

Plan for the long haul with our 36-month payment. Ideal for significant investments, these loans provide a longer repayment period, giving you three years to comfortably manage your finances.

Here’s why you should choose Love Finance

  • Quick and easy application: Our application process is so streamlined, you'll think we skipped a step. Enquire online in seconds and get a response in minutes.
  • Fast approval: We get it—time is money. That’s why we aim to approve your loan within 4 hours. Blink, and you might miss it!
  • Flexible repayment terms: Our long-term loans come with flexible repayment terms, allowing you to choose a plan that suits your needs. Enjoy predictable monthly payments with a fixed interest rate (flat).
  • Supportive team: Our team of experienced professionals is here to guide you through the process, ensuring a smooth and stress-free experience.
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FAQ

Your questions answered

What credit histories are acceptable for long-term loans?

While a stellar credit report makes things smoother, we believe in second chances and individual assessments. But hey, it never hurts to polish that credit score! Think of it like sprucing up your online dating profile - you want to put your best foot forward. So, keep working on it, and we'll do our best to find the perfect financial match for your business.

How much money can I borrow with a long-term loan?

How much can you borrow with a long-term loan? That’s kind of like the “how long is a piece of string?” conundrum. It depends on a few factors. We look at your business health, credit history, and a few other factors to discover the perfect loan amount for you. So, while we can’t promise a specific amount of money right off the bat, rest assured we’ll find the best possible deal to suit your business needs.

How do long-term loans compare to traditional bank loans?

Imagine borrowing for up to 6 years without the hassle of dealing with old-school banks. With a modern broker like Love Finance, you get flexibility, speed, and a team that speaks your language. Think of us as the cool, tech-savvy cousin of the traditional bank, here to make your borrowing experience smooth and stress-free. Why settle for outdated when you can go modern and get the best of both worlds?

What are the typical repayment terms?

Our repayment terms for long-term financing are as flexible as you like. You can repay the loan anywhere from 3 months (this is a short-term loan) to 6 years, depending on what period of time suits your business best. Whether you're in it for the short haul or the long game, we’ve got a plan that fits. Let's find a loan that perfectly matches your financial journey!

Do you do soft or hard credit checks?

If you fill in our form, it’s a no-pressure, no-impact situation for your credit - totally soft. If you chat with one of our friendly account managers, just let them know you’re looking for a soft search only. But, if you decide to go for the funding, there will have to be a hard search at some point. Think of it as upgrading from a trial run to the full package - necessary, but only when you're ready!

Who is eligible for a long-term loan?

Ideally, you’re turning over more than £50k annually and have been in the business game for over 12 months. But hey, we know everyone’s story is different. If you don’t tick all the boxes, don’t worry - we can consider other circumstances. Let’s chat and see how we can make it work for you!

How to apply for a business loan with Love Finance

Apply online in 5 mins

2 minute enquiry. 7 Questions. Instant decision. Just like that. Just click “Get offer” to start your application.

Approved & funded in 24 hrs

One small request, please? If you could prepare your paperwork, we'll all be in the best position to get you funded ASAP!

Borrow from 3 mo to 6 yrs

Terms work case-by-case, and we'll do our best to find you the loan that fits you like your favourite comfy tee.

You are 5 minutes away from making it happen

  • Credit score not affected
  • Interest rates from 8.9%
  • Unsecured loans up to £500,000