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Find the right product for your business

Compare 100+ lenders to find the best rates and terms

Dedicated funding expert to talk you through every step of the process

This quote won't affect your credit score and theres no obligation to proceed

Funds can be available in as little as one hour from point of approval

Merchant Cash Advance

A merchant cash advance, often called an 'MCA' is used by businesses that receive payments through debit or credit cards. The funding provides an advance against projected future card payments with repayments being taken as an agreed percentage of future card sales. This a great option for businesses that work in retail, e-commerce and the hospitality sector due to the quick, hassle-free injection of working capital. 

Working Capital Loan

A working capital loan provides a business with an injection of funds to alleviate any short-term cashflow pressure. The funds are used to help with a company's everyday operational needs and are available on terms from 3 - 24 months. One of the many reasons a working capital loan can be attractive is due to their flexibility with most lenders allowing overpayments towards the loan, this greatly reduces the overall cost of interest. 

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Unsecured Business Loan

An unsecured business loan allows businesses to access capital without personal assets being used as security.  Lenders will focus on the business's financial performance to determine the affordability of the finance. Loan terms vary from 3 months up to 6 years and there are no limits on what the funds can be used for. Unsecured business loans also boast incredible flexibility, with most lenders offering no early redemption charges and allowing overpayments as standard. 

Revolving Credit Facility

A Revolving Credit Facility works similarly to an overdraft or a credit card. It acts as a line of credit where borrowers are given a maximum limit to which they can borrow. They can freely withdraw funds up to this limit, and re-pay over 12 months. Interest is only charged on funds drawn and for the period they are used for, allowing businesses to dip in and out of the facility or use it as a safety net. These facilities are great for stock purchases, bridging a gap in working capital or helping alleviate cashflow pressure while waiting for invoices.

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Asset Finance

Asset finance is a loan that is secured against new vehicles or equipment the business wishes to purchase. Typically you can borrow from £10k and up to £20million over a period of 1 - 7 years. Asset finance allows you to upgrade your equipment or vehicles with a low initial deposit, allowing you to preserve cash flow for other business matters. The main forms of asset finance are Hire Purchase (HP), Finance Lease and Lease Rental.

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Invoice Finance

Invoice finance allows your business to sell unpaid invoices for immediate cash. Typically you will receive a percentage of the invoice value upfront (e.g., 80%). The lender will then collect the payment from your customer when the invoice is due, forwarding the remaining balance to the business after deducting their fees. This is particularly helpful for businesses dealing with customers on long payment terms as it helps improve cash flow and allows you to invest in the growth of the business.

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How Does Business Loans Club work?

A straightforward and hassle-free journey guided by a funding expert every step of the way.  We understand how crucial timing can be when looking for business finance, so we make funding as simple as 1,2,3.

 

1

Tell us about your buisiness

We need to understand basic information about your business to provide the right solutions. By completing our 60-second application form, a funding expert can discuss your eligibility and the next steps. 

2

Let us handle things

Our funding experts handle the entire process from beginning to end, sourcing your business the best terms, rates and products through a panel of 100+ lenders.

3

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Get Funded

We will discuss your available options and guide you through the next steps to get the business funded. Once an approval has been made, funds can be with you within an hour.

  • What are the benefits to using Business Loans Club?
    We handle the entire application process from beginning to end, meaning you can focus on running your business as we navigate a complex lending landscape to provide you with the most suitable solutions through a panel of over 100+ lenders. Not only does this save you countless hours, but it also provides peace of mind knowing you have the best deal available to your business. Speak with a funding expert to find our more.
  • How quickly can I have a decision?
    Offers can be available in as little as 24 hours, although on average it takes between 1 - 5 working days to provide all offers for your business. Depending on the complexity of the case, it can take longer than this. Speak with a funding expert to find out more.
  • What is an unsecured business loan?
    An unsecured business loan allows businesses to access capital without the need for collateral. Lenders will focus on the business's financial performance to determine the affordability of the finance. This is a great option for business owners who do not wish to use their properties or assets as security towards the loan and as there is no security required, funds can be available in as little as 24 hours. Unsecured loans come in all shapes and sizes and we can help you to access the best products that range from £10k - £1m. Speak with a funding expert to find out more.
  • Can you provide offers under the Growth Guarantee Scheme (GGS)?
    Yes, we work with a number of lenders that can offer the Growth Guarantee Scheme. Typically, we can provide offers within 3-5 working days. The scheme provides the lender with a 70% government-backed guarantee against the outstanding balance of the facility after it has completed its normal recovery process. The borrower always remains 100% liable for the debt; speak with a funding expert to find out more.
  • What is a Revolving Credit Facility?
    A Revolving Credit Facility is a type of unsecured business loan more often referred to as an 'RCF' and works similarly to an overdraft or a credit card. It acts as a line of credit where borrowers are given a maximum limit to which they can borrow. They can freely draw down funds up to this limit, and re-pay over typically 12 months. Interest is only charged on funds drawn and for the period they are used for, allowing businesses to dip in and out of the facility or use it as a safety net. These facilities are great for stock purchases, bridging a gap in working capital or helping alleviate cashflow pressure whilst waiting on invoices to be paid. Speak with a funding expert to find out more.
  • What is a Merchant Cash Advance?
    A merchant cash advance, more often referred to as an 'MCA' is a flexible unsecured business loan used by businesses that receive payments through debit or credit cards. The funding is essentially an advance against future card payments with repayments being taken as an agreed percentage of future sales. This a great option for businesses that work in retail, e-commerce and the hospitality sector and allows a quick and hassle-free injection of working capital to purchase stock, assets or provide a cashflow buffer. Speak to a funding expert to find out more.
  • How much can I borrow through an unsecured loan?
    The amount you can borrow depends upon the size and circumstances of your business. A funding expert will discuss your eligibility once we know more about your trading history, annual turnover, the purpose of finance and also the businesses credit history. Underwriters mainly focus on these factors when working out how much they’ll lend to you and on what terms they may offer you but due to our experience, we can give you a good indication before any applications are submitted. Speak with a funding expert to find out more.

Apply for business funding today 

Speak to a funding expert to compare 100+ lenders, with tailored financial solutions available in 24 hours.

Prefer to chat? Please feel free to call us on 020 8050 9859

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