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Small

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

Small business loans, just faster and more flexible

We know there isn’t a one-size-fits-all approach to entrepreneurship. That’s why we help small businesses access finance tailored to your specific needs. Whether you’re looking to sure up your finances, settle your cash flow or invest for the future, we can help you get business done.

Small business owners such as yourself have a lot to be getting on with – we know. So, we’ve made the process as quick and convenient as possible. With cash in your pocket, you can get back to business and focus on what matters most to you and your customers.

Apply for a business loan
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How our small
business loans work

Apply for a loan

Apply for a small business loan

First, we’ll check your initial eligibility once you submit some basic information. Then we’ll get a few documents from you 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.

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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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What can you use small business loans for?

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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.

Read more business stories

Small business loans, just faster and more flexible

We know there isn’t a one-size-fits-all approach to entrepreneurship. That’s why we help you access small business loans that are tailored to your specific needs. Whether you’re looking to sure up your finances, settle your cash flow or invest for the future, we’re here to help.

Small business owners such as yourself have a lot to be getting on with – we know. So, we’ve made the process as quick and convenient as possible. With cash in your pocket, you can get back to business and focus on what matters most to you and your customers.

Apply for a business loan
Business owner

Small business loans FAQs

What is a small business loan?

A small business loan is a financial product designed to assist small businesses with needs like startup costs, expansion, equipment purchase, or cash flow management.

Businesses can usually borrow up to £100,000 and repay it, along with interest, in regular installments agreed upon with the lender.

Typically, these loans are unsecured and are repaid within a 24-month period.

How do I get a small business loan?

How much can I borrow with a small business loan?

Who can apply for a small business loan?