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Aim for the moon
with our flexible business loans

Apply for a business loan
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Unsecured loans

from £5,000 to £100,000

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Borrow over

1 to 24 months

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No early

repayment fees

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Flexible loans for business –
without the faff

We know how important cash flow is for your business. And that means loans tailored to your needs and ambitions. Unfortunately, it’s not always that easy. That’s why mcl finance is shaking up access to business loans and finance with a unique, modern twist.

There’s no one-size-fits-all approach to running a business, and our loans reflect this. We’re here to give you easy and quick access to money. Whether you’re looking to scale, bridge a funding gap or grab an unmissable opportunity, we can help you access funds to help your business thrive.

Apply for a business loan
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How a business loan through mcl finance works

Apply for a loan

Apply for a business loan

To get started, check your eligibility by submitting some basic information. If you’re eligible, we’ll ask you for a few documents such as your business accounts, photo ID and last three months of business bank statements.

Apply for a loan

Get approved

With the support of a dedicated account manager, we’ll help you through the full approval process. Your business will be evaluated on the metrics that actually matter, such as disposable income, payment history and expected cash flow. You’ll then get a quick decision.

Apply for a loan

You’ll get your loan

If your application is successful, you’ll usually receive the business loan in your bank on the same day. And you’re in control from there

We’ve made our application process as quick and easy as possible. Apply in minutes, and you could receive the loan for your business on the same day. We’ll always provide an initial decision straight away without impacting your credit score, so there’s no risk.

Apply for a business loan

Business loans
FAQs

Who is eligible for a business loan?

To get a loan for your business via mcl finance, you need to:

  • Be a UK-based business
  • Be a private or limited company
  • Have a turnover of at least £15,000 per month
  • Have been trading for at least 1 year

How is mcl finance different from lenders?

Can I repay my business loan early?

Quick access to loans

Quick access to
loans

Flexible top-ups & drawdowns

Flexible top-ups & drawdowns

No early repayment fees

No early
repayment fees

Human touch underwriting

Human touch underwriting

Julie Thickpenny

★ ★ ★ ★ ★

Fatma was extremely helpful with my recent request – a great service, thank you!

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Ian Clapp

★ ★ ★ ★ ★

Fatma was very thorough and would recommend the company to anyone. Thanks

REVIEWS.io

Anonymous

★ ★ ★ ★ ★

Fantastic service – enthusiastic and commited to help. Application and funds provided within very short timeframe. Expectations exceeded.

REVIEWS.io

Ed Soltani

★ ★ ★ ★ ★

Great and speedy service. We got the funds in no time.

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Anonymous

★ ★ ★ ★ ★

Great, fast and friendly service. Highly recommend

REVIEWS.io

Hassan B

★ ★ ★ ★ ★

Excellent communication, very clear about everything, extremely professional

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Anonymous

★ ★ ★ ★ ★

Fast and efficient service by the team.

REVIEWS.io

What can you use business loans for?

Apply for a business loan

Explore our
business loans

Short-term business loans

  • Tick Icon Fast and flexible access to funding
  • Tick Icon Unsecured business loans from £5,000 to £100,000
  • Tick Icon Ideal for borrowing over 12 months
View our loan

Small business loans

  • Tick Icon Borrow from £5,000 to £100,000
  • Tick Icon No early repayment fees or charges
  • Tick Icon Up to a 24 month term available
View our loan

Merchant cash advances

  • Tick Icon Flexible repayments that match your card turnover
  • Tick Icon Approval not based on collateral or credit history
  • Tick Icon Get funding in as little as 48 hours
View our loan
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We’re here to help your business thrive

Running a business is no walk in the park, which is why we help you access funding so you can focus on what matters most. If you’re ready to start the next chapter, we’re here to help—apply for a business loan in the UK today and you could have the money in your bank account in a matter of hours. If you have any questions, feel free to contact us, or get started with your application right away.

Apply for a business loan

Business stories

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When Covid-19 kicked in and the UK went into lockdown, so did access to loans. A broker referred me to mcl finance, who were happy to offer financial assistance. mcl finance is superb and quick! A few clicks on your phone, signing e-docs, direct debit completion, and the money is in your account the next day. I will definitely use this service again!

Lilly Jones: Director, Jones Real Estate Limited

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mcl finance was actually recommended to me by my bank manager. Obviously my bank had always backed me, but they just took so long to do it. Literally the same day after my application, I had the finance I needed. It was so fast, I’ve never known anything like it.

Charlotte Richards: Founder & Managing Director,Talismanico Ltd.

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