Welcome to Business Helpline - your partner in smart, tailored business finance. Whether you're managing cash flow, growing your operations, or starting fresh, we help UK businesses unlock the right funding solutions.
Explore our business loan options, learn how they work, and find out how we can help power your success.
Improve cash flow by borrowing against unpaid invoices.
Business Loans for UK Businesses
Finance equipment, vehicles, and machinery without paying upfront.
Ease VAT payment pressure with a short-term loan.
- The lender collects payments from your customers.
- You receive a percentage upfront.
- Remaining balance (minus fees) is paid once the customer settles.
What is a Business Loan?
Ideal if your business accepts card payments.
Borrow from investors via P2P platforms.
- You collect payments from customers as usual.
- Repay the loan after receiving the invoice payment.
- More confidential and often lower cost.
Types of Business Loans We Offer
Flexible borrowing, only pay interest on what you use.
Use business assets (e.g. property or equipment) as collateral.
- Pay in instalments.
- You own the asset after the final payment.
How Business Loans Work
No collateral required.
Support for new businesses.
- Rent the asset from the lender.
- Return, buy, or continue renting at the end of the term.
Applying for a Business Loan
Invest in or refinance commercial property.
You borrow a set amount, repayable over a fixed term with interest.
- The lender pays HMRC directly.
- Repay monthly over 3 to 12 months.
- Typically secured; may require a personal guarantee.
How Can You Use a Business Loan?
Additional fees may apply depending on the lender.
Step 1: Speak with Our Team Schedule a consultation to discuss your goals.
- Borrow based on card sales volume.
- Repay via a percentage of future card transactions.
- Payments adjust based on your income.
Why Choose Business Helpline?
Step 2: Submit Documents Provide:
Step 3: Receive a Tailored Offer We’ll propose a customised solution for your needs.
- Often lower interest rates than banks.
- Flexible eligibility.
- Less regulatory protection - always read the terms
Frequently Asked Questions
Step 4: Quick Funding Get funds in as little as 24-72 hours (for unsecured loans).
Q: Am I Eligible for a Business Loan? A: We assess:
- Draw funds up to your credit limit.
- Revolving facility – reuse as you repay.
- Great for ongoing expenses or uncertain costs.
Ready to Fund Your Business Growth?
Q: Can I Get a Loan with Bad Credit? A: Yes. We work with lenders who cater to businesses with low or impaired credit.
Q: How Fast Are Funds Released? A: Unsecured loans: 24–72 hours. Secured and complex loans take longer.
Q: What’s the Difference Between Secured and Unsecured Loans?
Q: Can I Get a Loan to Start My Business? A: Yes, start-up loans are available with smaller amounts and support services.
Q: What Is a Business Mortgage Loan? A: A long-term loan secured on commercial property, ideal for buying or refinancing business premises.
Speak with one of our financial specialists to explore the right loan for your business. We’re here to help you move forward with confidence.
- Lower interest rates.
- Suitable for larger or long-term borrowing.
- Approval based on trading history and credit.
- Faster to arrange but may have higher interest rates.
- Fund initial expenses, marketing, or stock.
- Lower borrowing limits.
- May include mentoring or support.
- Long-term secured loans.
- Suitable for offices, warehouses, and retail spaces.
- Loan type and term
- Secured or unsecured
- Interest rate (fixed/variable)
- Business turnover and creditworthiness
- Bank statements
- Financial reports
- VAT returns (if needed)
- Business plan (for start-ups)
- Buy stock or inventory
- Manage payroll
- Launch marketing campaigns
- Expand premises
- Cover VAT or tax bills
- Purchase new equipment
- Support seasonal cash flow