Lendus.

Business Loans

Working capital, expansion funding, or industry-specific finance — compare business loan rates from 200+ UK lenders and find the right deal for your business.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Three types of business loan

Unsecured Business Loan

No security required

Rate
6.9% – 24.9% APR
Term
1 – 5 years
Security
None required
Best for
Working capital, growth, hiring, marketing

Secured Business Loan

Lower rates, larger amounts

Rate
4.5% – 14.9% APR
Term
1 – 25 years
Security
Property or business assets
Best for
Expansion, premises purchase, large capital expenditure

Merchant Cash Advance

Repay via card sales

Rate
Factor rate 1.1 – 1.5
Term
3 – 18 months
Security
Future card takings
Best for
Retail, hospitality, and card-heavy businesses

Browse by industry

C

Construction

D

Dental Practice

F

Farming & Agriculture

G

Garage & Motor Trade Gym & Fitness

H

Hair & Beauty Salon Haulage & Logistics Healthcare Hotel & Hospitality

M

Manufacturing

N

Nursery & Childcare

P

Property Development Pub & Bar

R

Restaurant Retail

Find the right loan for your business

Compare rates from 200+ UK lenders in under 2 minutes.

Check Eligibility

Frequently asked questions

Who is eligible for a business loan?
Most UK-registered businesses trading for at least 12 months with a turnover of £50,000+ can apply. Sole traders, partnerships, and limited companies are all eligible. Some lenders accept startups and businesses with adverse credit.
What interest rates can I expect?
Unsecured business loan rates typically range from 6.9% to 24.9% APR depending on credit profile, trading history, and loan amount. Secured loans start from around 4.5% APR. Lendus compares 200+ lenders so you see the most competitive rate available to you.
How long does a business loan application take?
Unsecured loans can be approved and funded within 24–48 hours. Secured loans involve property valuations and take 5–15 working days. Invoice finance and merchant cash advances are often the fastest options if you need funds urgently.
What documents do I need to apply?
Typically: 6–12 months of business bank statements, your last two years of filed accounts (or management accounts if a startup), proof of identity, and a brief summary of why you need funding. Lendus pre-fills much of this for you.
Can I get a business loan with bad credit?
Yes. Many specialist lenders look beyond credit scores and focus on cash flow, trading history, and business performance. Secured loans or asset-backed products may be available even with CCJs or defaults. Rates may be higher but funding is often possible.
Can startups get a business loan?
Some lenders will fund businesses under 12 months old, particularly if the director has a strong personal credit profile or can offer security. The British Business Bank also supports startup lending through its guaranteed loan schemes.