Small business loans

Flexible business loans for SMEs. Borrow £5,000 - £500k in 24hrs.

Quick, fast, honest. Within 24 hours the loan was agreed and funds were in the bank. Highly Recommend.
Tim
Carbon Recruitment,
Hampshire
Let us help you

Business loans for small businesses

We’re more than just numbers. You're the heart of your business, and we're here to help you keep it beating strong (too cheesy? Sorry.) Our tailored small business loans give you the fuel you need to keep things running smoothly and seize those golden opportunities. Let's get your business to the next level, shall we?

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 6.9%

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, no collateral, (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 6.9% (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’s a small business loan?

It's your ticket to tackling everyday challenges and grabbing new opportunities by the horns. We offer a wide variety of loan options to keep your business running smoothly. Want flexible repayment? Our merchant cash advances have you covered. Looking to unlock your business's potential without collateral? Our unsecured loans are just the ticket. Dreading tax season? Our VAT loans will ease those woes. Whatever the need, we've got a loan for that.

Love your finances again

Types of small business loans we offer

VAT loans

Tax season giving you a headache? Our VAT loans split your bill into 3 monthly payments, keeping your cash flow smooth and stress-free when you need it most.

Unsecured business loans

No collateral? No problem. Our unsecured loans give you the funds you need based on your business health rather than its assets, offering flexibility and peace of mind.

Short-term business loans

Got an urgent expense or a golden opportunity? Our short-term loans provide quick cash with fast repayment terms. Perfect for those last-minute needs.

Working capital loans

Keeping your business buzzing smoothly hinges on one thing: cash flow. You can use our working capital loans for just about anything, whether it’s covering day-to-day expenses to tackling unexpected curveballs.

Love Finance was able to get me the funding my small business needed at an affordable rate.
Yemi
Loyem Foods, London

Try our business loan calculator today!

£70 000
Get offer

Why Love Finance?

As a small business looking for a small business loan, you want someone who understands your ins and outs, your ups and downs. Who better than a fellow SME like Love Finance? Big corporations don't take the time to know you like we do. We're not just about handing out cash; we're about empowering your business to thrive. Our loans come with no hidden surprises - just transparent terms and competitive rates. Plus, our application process is a breeze, our approval times are quick, and our support team is always ready to help.

This is how we can help

What can I use my small business loan for?

There are many things you can use your small business loan for, here's some inspo:

See if you are eligible
It won't impact your credit score

Gadget galore

Need new equipment? Whether it’s a top-of-the-line espresso machine or the latest tech gizmos, your small business loan has got you covered.

Marketing magic

Launch that killer ad campaign and watch customers flock to you like seagulls to a dropped sandwich.

Renovation rescue

Give your space a facelift. Paint those walls, fix that leaky roof, and make your shop the envy of the block.

Inventory overload

Stock up on your bestsellers so you never have to say “Sorry, we’re out” again. Trust us, your customers will thank you.

Dream team expansion

Hire that rockstar employee who’s going to take your business to the next level. You know, the one who’s probably going to outshine you.

Tech upgrade

Ditch that dinosaur of a computer and get something that doesn’t take an hour to boot up. Your patience and productivity will skyrocket.

Event extravaganza

Host that fabulous launch party or epic event that will have everyone talking. Just don’t forget to invite us!

Cash flow cushion

Be prepared for those “Oh no!” moments. Because let’s face it, business isn’t all sunshine and rainbows.

Product development

Create that next big thing that’ll put your competitors to shame. Go on, be the Steve Jobs of your industry!

FAQ

Your questions answered

How much can I borrow?

We offer small business loans in various amounts, whether you need just enough to buy a fancy coffee machine or enough to expand your empire. Let's talk specifics and find the right amount of money for you!

What kind of credit rating do I need?

Got stellar credit? Great! Not so perfect? No worries! We’ve got options for various credit ratings because we believe in second chances and great business ideas.

What are the monthly repayments like?

Think of your monthly repayments as your business’s gym membership - regular, manageable, and helping you grow stronger. We'll work with you to make sure they fit your budget.

Can I repay in a lump sum if I hit the jackpot?

Absolutely! If you want to repay your loan in one fell swoop, go for it. No penalties for being an overachiever here!

What’s the total amount I’ll end up paying?

We keep it transparent. Your total amount will include the loan amount plus interest. No hidden fees or sneaky charges—just straightforward numbers.

What’s the deal with repayment schedules?

We offer flexible repayment schedules to suit your business’s cash flow. Weekly, monthly, bi-monthly—you name it, we’ll sort it. Because we know every business owner has unique needs.

What type of loans do you offer?

From working capital loans to equipment financing, a business credit card and even VAT loans, we’ve got a type of loan for every need. We offer short-term loans from 3 to 12 months, or long term up to 6 years. Just ask!

How do your interest rates work?

We generally offer a fixed interest rate, meaning no nasty surprises if the market changes. Your repayments stay the same, so you can plan your finances without any ”what ifs.” However, if you want to opt for a variable rate that changes alongside the market’s ups and downs, go for it!

How fast can I get my hands on the money?

Speed is our middle name! Apply today, and you could see the amount of money you need in your bank account in a matter of hours. Perfect for business owners on the go.

How to enquire about a business loan with Love Finance

Enquire online in 60 seconds

60 second enquiry. 6 questions. Instant decision. Just like that. Click below to start your enquiry.

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 6.9%
  • Unsecured loans up to £500,000