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- Apply in just 7 minutes
- Approval as fast as 1 hour
- Borrow £10,000 to £750,000
- Rates starting from just 6.9%
- Zero early repayment fees
Why choose our 6 or 12-month business loan?
The sooner you repay, the more you save
You can choose to overpay or settle your loan in full whenever you like, without incurring any extra fees. You’ll only pay interest on the principal amount you owe. So by making an overpayment, you’ll pay off your loan quicker and accrue less interest overall.
No fee to take out the loan, no impact on your credit score
When you borrow for 6 or 12 months with Funding Circle directly, you won’t pay any arrangement fee. You’ll have the flexibility to repay your loan as quickly as you like. Limited companies can also apply for our 6 or 12-month loan with total peace of mind, as applying won’t affect your credit score.
Approval in minutes
Complete our simple 7-minute application form and, for loan amounts up to £250,000, we’ll let you know instantly if we can lend to your business. Once your finance is approved and you’ve accepted our contract, funds are typically paid out within 48 hours - allowing you to cover costs quickly. No hassle or waiting around.
We’ve helped over 110,000 UK businesses borrow £14.6 billion to take their business further.
You could use our shorter term loan to…
- Plug unexpected cash flow gaps
- Pay bills and invoices
- Cover late invoice payments
- Boost your capital
- Take advantage of opportunities
I would recommend Express Bussiness Loans one hundred percent to others. It was beyond my expectations how easy application and the fulfilment of the loan was
We’ve helped over 110,000 UK businesses borrow £20 billion to take their business further.
£20 billion
Lent to UK businesses
Get a Personalised Offer – With Zero Impact on Your Credit Score
If you’re a UK limited company or LLP, you can check your loan options without
leaving a mark on your credit report. Review your choices confidently and stress-free.
Find out if you’re eligible in just 30 seconds
No paperwork. No hassle.
Instant check – no obligation
See your options clearly and securely.
No credit impact – ever
Your score stays protected.
Fast, free, and confidential
Simple process. Full peace of mind.
Here to help if you need us
Contact our UK-based team if you have any questions
Frequently asked questions
Our application process is fast, secure, and fully online. Simply complete our 7-minute form with your loan amount, preferred term, and business details. You’ll receive a preliminary eligibility decision in as little as 30 seconds. If eligible, you’ll receive a personalised funding offer within the hour.
We support UK-based:
- Limited Companies (Ltd)
- Limited Liability Partnerships (LLPs)
- Sole Traders
Applicants must have a minimum of 6 months’ trading history and an active business bank account.
To assess your application, we typically request:
- 3 to 6 months of business bank statements
- Company registration and director details
- Valid photographic ID (passport or UK driver’s licence)
We may request additional documents depending on the funding product selected.
Funding is available from £10,000 to £750,000, subject to affordability and credit assessment.
FlexiPay
See how you could benefit from an interest-free line of credit
Tips & Guides
Find guides, tips and more in our dedicated resource centre for business owners.