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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
What’s the difference between secured and unsecured business loans?
Unsecured loans allow you to borrow without giving security on any business assets, such as property or equipment. They’re a quick and easy way to get an affordable cash injection for your business.
Secured loans allow you to borrow without personal liability from the directors or shareholders, as you can use business assets as collateral. If your business can’t pay back the loan in full, the proceeds from the sale of assets can be used to pay off the outstanding amount.
We offer both secured and unsecured loans, to give you the choice to do what suits your business most.
All you have to do is apply for a Express Bussiness Loans loan as normal, and if you’re eligible for this option we’ll make you multiple offers, so you can select the option that works best for you.
At Express Bussiness Loans we offer a variety of products to suit different needs, from business loans to short term finance.
Express Bussiness Loans business loans
Borrow from £10,000 to £750,000 with fixed rates and no early settlement fees. Secured and unsecured options are available depending on eligibility.
Asset finance
Borrow up to £5 million to fund new equipment, vehicles, machinery or other assets through our panel of expert partners.
FlexiPay
Spread the cost of business bills, invoices and more with a line of credit of £1,000 to £250,000. Pay by card or cash transfer, then choose to repay over 1, 3, 6, 9 or 12 months.
Express Bussiness Loans Cashback
Get paid back every time you spend with our Cashback business credit card. Earn up to £2,000 with 2% cashback for the first 6 months, plus 1% uncapped cashback on everything you spend after that
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
The Xpress Business Loans Story
Founded in the UK in 2015, Xpress Business Loans was created to give small and medium-sized businesses easier, faster access to funding. Since then, we’ve helped over 110,000 businesses secure more than £20 billion in finance.
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.
Looking for a shorter term loan to bridge cash flow gaps?
Get a quick injection of funds, just when your business needs it. Choose from 6 or 12-month terms with no upfront fee if you apply directly.
Still not sure what's best for your business?
Tell us what you need and our product selector will help you find you the perfect small business finance solution.