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Small business loans from £5,000

Grow your business with an affordable loan

Thousands of small businesses in the UK have accessed affordable finance through Funding Circle. Michelle Partington from Lakeland Picnic borrowed £17,000 to refurbish her food stalls.

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The UK Government is lending £80m to small businesses through Funding Circle, alongside thousands of people and large investors.

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In March 2013, the Government began lending £20 million to small UK businesses through Funding Circle, as part of its Business Finance Partnership scheme.

In early 2014, the Government-owned British Business Bank Investment Programme decided to commit a further £40 million alongside other investors, to support economic growth by providing more efficient finance to small businesses. In 2017 the British Business Bank committed a further £40 million to lend to small businesses.

Funding Circle is supported by British Business Bank Investments Ltd, the commercial arm of the British Business Bank, a development bank wholly owned by the UK Government. In 2017, British Business Bank Investments Ltd committed £40 million, in addition to its £40 million commitment in 2014, alongside other investors, to support economic growth by providing more efficient finance to smaller businesses.

Business loans at Funding Circle

Our online marketplace makes borrowing small amounts for your business quick and hassle‐free. By connecting businesses in need of finance with people and organisations who want to lend, you can access finance to help grow your business in as little as one week.

User reviews

We did not need a large amount but the loan has helped with cashflow. The whole process was quick and easy and we got the funds secured within 24 hours.
Julia, September 2015
I cannot believe how easy and quick it is to get a loan. I would recommend this service to any small/medium/large business, I can now expand and move forward.
Rebecca, October 2015
Read more customer reviews about our small business loans.

Flexible funding for your business

Whether you’re looking to refurbish your property, buy an asset or you just need cash for working capital, we want to help you and your business succeed.

Benefits of small business loans

  • Any loan amount from £5,000 to £1,000,000
  • Manageable repayments over 6 months to 5 years
  • Interest rates from 6%
  • Repay early at no extra cost
  • Use the loan however you need
  • Unsecured and secured loans available

Peter Hills from The Hackney Brewery took out a small loan to buy a piece of equipment.

They now have their craft beer stocked in pubs and restaurants across the UK.

Straightforward process

The application for small business loans is simple:

10 min application

A dedicated account manager will guide you through the process

Decision within 2 working days

Fair cost

Interest rates from 6%

One off completion fee when you accept your loan (1.5%–6% of loan value)

Fixed, easy monthly repayments

Payable over 6 months – 5 years

No early repayment fees

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Have any questions?

Guide
Download our guide to business loans Share with your advisors.
Adam
Speak to an Account Manager 0800 048 8747