Finance that supports your
next move
Finance that supports your
next move
We’re on the cutting edge, doing things differently to give you access to fast funding with the flexibility you need to grow. Apply for a UK business loan today!
We’re on the cutting edge, doing things differently to give you access to fast funding with the flexibility you need to grow. Apply for a UK business loan today!
No early repayment fees
Flexibility should work both ways.
No early repayment fees
Flexibility should work both ways.
Borrow £5k–£250k
Same-day funding
Apply in minutes
1 to 24 month terms
Human underwriting
Dedicated account manager
Built around your business
No early repayment fees
Merchant cash advances
Borrow £5k–£250k
Same-day funding
Apply in minutes
1 to 24 month terms
Human underwriting
Dedicated account manager
Built around your business
No early repayment fees
Merchant cash advances
Borrow £5k–£250k
Same-day funding
Apply in minutes
1 to 24 month terms
Human underwriting
Dedicated account manager
Built around your business
No early repayment fees
Merchant cash advances
Why choose mcl
Flexible loans for business
– without the faff
Why choose mcl
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.
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 give you fast access to the funds you need. To scale, bridge a gap, or grab your next big opportunity.
There’s no one-size-fits-all approach to running a business, and our loans reflect this.
We give you fast access to the funds you need. To scale, bridge a gap, or grab your next big opportunity.
There’s no one-size-fits-all approach to running a business, and our loans reflect this.
We give you fast access to the funds you need. To scale, bridge a gap, or grab your next big opportunity.
Your business, funded your way
Your business, funded your way
Great and speedy service. We got the funds in no time.
Ed Soltani
reviews.io
Great and speedy service. We got the funds in no time.
Ed Soltani
reviews.io
How it works
How a business loan through mcl finance works
Managing your finances has never been easier! Follow these steps to take control of your money today.
How it works
How a business loan through mcl finance works
Managing your finances has never been easier! Follow these steps to take control of your money today.
Finora streamlines financial planning! With AI budgeting, I save 20% each month.
Sbastin Moy
Content Creator
Great and speedy service. We got the funds in no time.
Ed Soltani
reviews.io
Great and speedy service. We got the funds in no time.
Ed Soltani
reviews.io
Great and speedy service. We got the funds in no time.
Ed Soltani
reviews.io
1. 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.
1. 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.
2. 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.
2. 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.
3. 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.
3. 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.
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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.
→
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.
FAQ
Business loans questions
FAQ
Business loans questions
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
The amount you can borrow with a small business loan will depend on several factors including the lender's policies, your business's financial health, credit history, and the purpose of the loan. Generally, loan amounts can range between £5,000 and £250,000. Lenders and brokers will assess your business's revenue, profitability, years in operation, and creditworthiness to determine the loan amount you're eligible for. It's important to borrow only what you need and can realistically pay back.
• Yes, you can repay your business loan early without any penalties. • Contact us to arrange early repayment and save on interest.
If you can't find what you're looking for, feel free to Contact us directly,
Our products
Explore our
business loans
Our products
Explore our
business loans
We know every business is different, so we've built products to match. Explore your options and find the funding that works for you.
We know every business is different, so we've built products to match. Explore your options and find the funding that works for you.
Short-term business loans
✓ Fast and flexible access to funding
✓ Unsecured business loans from £5,000 to £250,000
✓ Ideal for borrowing over 12 months
Small business loans
✓ Borrow from £5,000 to £250,000
✓ No early repayment fees or charges
✓ Up to a 24 month term available
Merchant cash advances
✓ Flexible repayments that match your card turnover
✓ Approval not based on collateral or credit history
✓ Get funding in as little as 48 hours
Why choose us
Benefits of choosing mcl finance to support you
Why choose us
Benefits of choosing mcl finance to support you
We know every business is different, so we've built products to match. Explore your options and find the funding that works for you.
We know every business is different, so we've built products to match. Explore your options and find the funding that works for you.
Quick access to loans
Get funded fast, so you can focus on what matters most: growing your business.
Quick access to loans
Get funded fast, so you can focus on what matters most: growing your business.
Flexible top-ups & drawdowns
Borrow what you need, when you need it, with the freedom to top up or draw down at any time.
Flexible top-ups & drawdowns
Borrow what you need, when you need it, with the freedom to top up or draw down at any time.
No early repayment fees
Pay off your loan whenever you're ready. We'll never charge you for it.
No early repayment fees
Pay off your loan whenever you're ready. We'll never charge you for it.
Human touch underwriting
Every application is reviewed by a real person, not just an algorithm.
Human touch underwriting
Every application is reviewed by a real person, not just an algorithm.
Use cases
What can you use
business loans for?
Use cases
What can you use
business loans for?
Investing in new technology
Grabbing an unmissable opportunity
Bridging a funding gap
Fuelling growth and expansion
Managing cash flow
Investing in new technology
Grabbing an unmissable opportunity
Bridging a funding gap
Fuelling growth and expansion
Managing cash flow
Business stories
What are people saying about us ?
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 company again.
Lilly Jones
,
Director, Jones Real Estate Limited
Business stories
What are people saying about us ?
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 company again.
Lilly Jones
,
Director, Jones Real Estate Limited
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 company again.
Lilly Jones
,
Director, Jones Real Estate Limited
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 company again.
Lilly Jones
,
Director, Jones Real Estate Limited
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 company again.
Lilly Jones
,
Director
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
Get Started
Fast, reliable, and trusted by thousands
Join thousands who trust us to grow their business. Round the clock support, flexible to your needs.
Get Started
Fast, reliable, and trusted by thousands
Join thousands who trust us to grow their business. Round the clock support, flexible to your needs.
Get Started
Fast, reliable, and trusted by thousands
Join thousands who trust us to grow their business. Round the clock support, flexible to your needs.