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Short-term business loans

Apply for a small 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

Flexible, short-term loans for your business

We understand that many businesses often need quick access to cash, whether it’s so they can seize opportunities or cover unexpected costs. Whatever the reason why your business needs short-term finance, the last thing you need is complicated application processes and rigid loan agreements getting in the way.

That’s where a short-term business loan comes in. They give you rapid access to lending without any lengthy contracts. You can choose exactly how long you want the loan to last, from 1 to 24 months. And after you’ve got the extra cash in your account, you’re free to focus on what matters most.

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How our short-term
business loans work

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Apply for a short-term
business loan

The first step is to submit some basic information to check your eligibility. Then, we’ll need you to submit a few documents such as your photo ID, your latest filed accounts and business bank statements for the last three months.

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Get approved

One of our dedicated account managers will guide you through every step of the approval process. We’ll decide the best loan for you, based on transparent and objective metrics, such as payment history, disposable income and expected cash flow.

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You’ll get your loan

If approved, you could get your short-term loan to your business bank account in less than an hour from approval. What you do with it is completely up to you.

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What can you use short-term business loans for?

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Managing cash flow

Purpose 2

Funding expansion

Purpose 2

Purchasing inventory

Purpose 2

Bridging a funding gap

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Grabbing an unmissable opportunity

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We’ve already helped
small businesses
 like yours

We know how challenging life as a small business owner can be. That’s why we’re here to help you access the funding you need to focus your time and effort on the other things that matter. Here’s how we’ve helped customers already:

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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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Apply for a short-term business loan today

The world of business finance is rarely a breeze. That’s why it’s our passion to give businesses like yours easy access to funding, so you and your customers can flourish.

Apply for a short-term business loan today and the funds could be in your business bank account in as little as the same day. Feel free to contact us if you have any questions. If not, start your application right away.

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Short-term business loans FAQs

What is a short-term business loan?

A short-term business loan lets your business borrow money and pay it back quickly, over months rather than years. This allows you to quickly access funding to help your business thrive, without becoming burdened by long-term debt.

What are the benefits of a short-term business loan?

Who can get a short-term business loan?

If I need help applying for my quick small business loan, can your team help?