Many UK companies reach a point where external finance becomes advisable. This might be to support growth, manage cash flow, invest in equipment, or deal with a temporary gap between outgoing costs and incoming payments. Business loans are one of the more common options considered in these situations.
On this site, business loan enquiries are focused on UK limited companies seeking finance of £25,000 or more. This reflects how most lenders structure business lending and the level at which loans tend to become commercially viable.
Who can apply
Applications are limited to businesses trading as limited companies. This is not unusual. Many lenders prefer limited company structures because they offer clearer separation between personal and business finances, alongside more established reporting and accountability requirements.
The minimum loan amount is £25,000. Below this level, other forms of funding or support may be more appropriate, depending on the circumstances.
If your business is not yet a limited company
Some businesses start out as sole traders or partnerships and later consider incorporation as trading activity grows. Limited company status can offer practical advantages, including limited liability and a clearer legal structure for borrowing.
If you are not currently trading as a limited company, further information on the potential benefits can be found here:
Advantages of trading as a limited company
Next steps
If your business is a UK limited company and you are considering a loan of £25,000 or more, an application can be made using the enquiry process outlined on this site. Providing clear and accurate information at the outset helps ensure that any discussions are relevant and proportionate to your needs.
The aim is to give businesses a sensible starting point, with realistic expectations about eligibility and structure, before any decisions are made. Once the form has been submitted, a colleague, Authorised and Regulated by the Financial Conduct Authority, will help you.