Commercial Finance Loan Sizes: From £10,000 to £5m+
Summary — UK Business Loans connects UK limited companies and growing businesses with brokers and lenders who arrange commercial finance from around £10,000 up to £5,000,000 and beyond. This page explains the typical loan-size bands, which products sit in each band, what lenders look for, expected costs and timescales, and how to prepare so you get fast, relevant responses. Ready to explore options? Get Quote Now — Free Eligibility Check.
Loan sizes at a glance
Below is a practical mapping of common commercial finance bands our partners routinely arrange. All facilities start at roughly £10,000 — we help match you to lenders/brokers who specialise at the size and purpose you need.
- £10,000–£50,000 — small working capital, equipment & asset finance, short-term cashflow loans.
- £50,000–£250,000 — medium SME loans, asset finance, invoice finance lines, small commercial mortgages or fit-out funding.
- £250,000–£1,000,000 — larger commercial mortgages, development finance for small schemes, significant asset purchases and growth capital.
- £1,000,000–£5,000,000 — mid-market commercial mortgages, development/refurbishment facilities and acquisition finance.
- £5,000,000+ — large-scale development, corporate acquisition finance and institutional or bespoke syndicated funding.
How commercial finance types map to loan sizes
Different finance products suit different loan sizes and business needs. Below is a detailed breakdown so you can quickly see which options may apply to your project.
£10,000–£50,000
Typical products: unsecured business loans, short-term cashflow loans, equipment/asset finance (hire‑purchase/lease), small invoice discounting lines and merchant cash advances.
Common uses: urgent working capital, buying a single machine or small vehicle, short-term payroll or materials gaps, or starter stock purchases.
Speed & security: many lenders decide quickly (hours–days). Facilities may be unsecured or secured against the asset being financed; personal guarantees are sometimes requested.
Get Quote Now to see providers who specialise in fast small business facilities.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
£50,000–£250,000
Typical products: secured or unsecured term loans, asset finance and hire purchase, invoice finance for larger lines, bridging loans and smaller commercial mortgages for long leaseholds or fit-outs.
Common uses: premises fit‑out, fleet purchase, significant plant & equipment acquisitions, short-term bridging for deals, or initial freehold purchases in certain sectors.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Security & checks: lenders often require security (business or personal) and will review cashflow, management accounts and trading history. Decisions typically take days to a few weeks.
Free Eligibility Check — we’ll match you to lenders experienced at this scale.
£250,000–£1,000,000
Typical products: commercial mortgages, development and refurbishment finance for small projects, larger asset and equipment finance, growth capital and structured refinance.
Common uses: buying freehold or long leasehold premises, converting premises, business expansion or refinancing a portfolio.
Process: underwriters will require more documentation — business plans, detailed cashflow forecasts, valuation reports and professional legal work. Expect underwriting times from one to four weeks.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Get Quote Now to be connected with brokers who arrange mid-sized commercial facilities.
£1,000,000–£5,000,000
Typical products: mid-market commercial mortgages, larger development facilities, acquisition finance and corporate lending lines; sometimes structured as staged drawdowns or syndicated facilities.
Common uses: multi-unit developments, major property acquisitions, acquisitions of businesses, or major capital expenditure in manufacturing, logistics or hospitality.
Structure: lenders will require detailed valuations, staged payments tied to milestones, and ongoing reporting covenants. Timelines range from several weeks to a few months depending on complexity.
Free Eligibility Check — our partners specialise in mid-market deals and can advise on structure and costs.
£5,000,000+
Typical products: institutional funding, large development facilities often backed by private equity or specialist funds, acquisition finance for corporate deals, and syndicated lending.
Common uses: major residential or commercial developments, roll‑up acquisitions, refinancing of corporate groups and large-scale capital projects.
Process: bespoke, with detailed legal documentation, multi-party negotiation and often long lead times. Specialist brokers and corporate finance advisors normally lead these deals.
If your project is at this scale, Get Quote Now so we can match you with the right corporate broker or funder.
For a focused explanation of property and development lending options, see our partners’ commercial finance guidance on commercial finance.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
What determines loan size and approval
Lenders assess loan size based on affordability, security and the commercial case. Key factors include:
- Historic and forecast turnover, margins and cashflow.
- Business trading history and management experience.
- Security available (property, plant, equipment).
- Purpose of the loan — working capital versus development, acquisition or capex.
- Sector risk and market outlook for your industry.
- Director credit history and any requested guarantees.
- Clear exit strategy (especially for bridging and development finance).
Practical tip: strong, realistic cashflow forecasts and a concise project plan materially increase the chance of larger facilities being offered.
Typical costs, fees and rates
Costs vary widely by product, loan size and lender. Expect to encounter:
- Interest margins or rates — unsecured facilities generally cost more than secured mortgages.
- Arrangement or facility fees — often a percentage of the loan.
- Valuation, legal and monitoring fees (particularly on property and development finance).
- Broker fees — some brokers charge fees; others are paid by lenders. Always confirm before proceeding.
- Early repayment or exit fees on some specialist facilities.
Exact costs depend on your business profile — Get Quote Now for tailored estimates from our panel.
How long each size typically takes: application to drawdown
- £10k–£50k: hours to a few days (many asset finance and short-term lenders provide quick decisions).
- £50k–£250k: days to a few weeks (documentation, valuations where required).
- £250k–£1m: 1–4 weeks (underwriting, professional reports and legal work).
- £1m+: several weeks to months (complex due diligence and legal completion).
Tip: preparing documents in advance speeds the process dramatically.
Who arranges these loans — our partners
We introduce you to an experienced nationwide network of specialist brokers, challenger banks, asset finance houses, development lenders and institutional funders. We do not lend directly. Once you submit an enquiry, selected partners who match your needs will contact you to discuss options and next steps.
How to prepare before you enquire
Have these ready to accelerate your first offer:
- Latest management accounts or statutory accounts.
- Bank statements (usually 3–6 months).
- Business plan or short project summary and cashflow forecast.
- Details and evidence of security (property deeds, asset lists).
- Director ID and recent address verification.
- Relevant quotes, invoices or planning/architectural reports for development projects.
When you submit a short enquiry we use these details to match you quickly — Start Your Free Eligibility Check.
Real‑world examples
Case study A — £35,000 equipment hire‑purchase
A regional contractor needed a new excavator. Our match introduced an asset finance specialist; funding was approved in 48 hours and structured as a 48‑month hire‑purchase aligned to project cashflow. Result: new capacity, manageable repayments and ownership at term.
Case study B — £180,000 mixed funding for restaurant fit‑out
A growing hospitality business combined asset finance for catering equipment with a short-term loan for fit-out. Offers from two lenders arrived in two weeks; the client selected a blended package with an affordable monthly profile.
Case study C — £3.2m development facility
A developer required staged funding for a small residential conversion. A specialist development lender arranged a staged drawdown facility with valuations at each stage; the sale exit strategy was accepted and funds released over 10–12 weeks.
If one of these matches your needs, Get Quote Now and we’ll connect you with the right specialists.
Frequently asked questions
Do you lend directly?
No. UK Business Loans introduces businesses to lenders and brokers who make offers and provide terms directly.
What loan sizes can your partners arrange?
Partners commonly arrange facilities starting at around £10,000 and ranging up to and beyond £5,000,000 depending on lender appetite, security and the strength of the business case.
Will an enquiry affect my credit score?
No. Submitting an enquiry via UK Business Loans does not affect your credit score. Lenders may perform credit checks only if you proceed to a formal application.
Can start‑ups apply?
Yes — some lenders specialise in earlier-stage businesses, though criteria differ by lender and product.
Still have questions? Free Eligibility Check — Get Quote Now.
Ready to find the right loan size and product?
Tell us the loan amount you need and the purpose. We’ll quickly match you with the best lender or broker for your situation — fast, free and without obligation. Start Your Enquiry — Free Eligibility Check.
Important: UK Business Loans does not lend and does not provide regulated financial advice. We introduce businesses to lenders and brokers who provide offers. Any formal offer and terms will come from the lender or broker and be subject to their checks and conditions. Use of this site is free and carries no obligation.
1. What loan sizes can UK Business Loans help me find? — We can match you to lenders who arrange commercial finance from around £10,000 up to and beyond £5,000,000 depending on security and the strength of your business case.
2. Which types of commercial finance suit different loan sizes? — Typical mappings: £10k–£50k (unsecured loans, asset/equipment finance), £50k–£250k (term loans, invoice finance, small commercial mortgages), £250k–£1m (commercial mortgages, small development/refurbishment finance) and £1m+ (mid‑market development, acquisition and syndicated facilities).
3. How long does it typically take to go from application to drawdown? — Timescales vary from hours–days for £10k–£50k facilities, days–weeks for £50k–£250k, 1–4 weeks for £250k–£1m and several weeks to months for £1m+ deals depending on complexity.
4. Will submitting an enquiry through UK Business Loans affect my credit score? — No — submitting an enquiry does not impact your credit score; lenders may perform checks only if you progress to a formal application.
5. Do you lend money directly or provide regulated financial advice? — No — UK Business Loans does not lend or give regulated advice; we introduce you to FCA‑regulated brokers and lenders who provide offers and terms.
6. What documents should I prepare before enquiring to speed up the process? — Have recent management or statutory accounts, 3–6 months of bank statements, a cashflow forecast or project summary, director ID, and evidence of any security or quotes ready to accelerate matching and underwriting.
7. Can start‑ups or businesses with poor credit get a business loan? — Yes — some lenders on our panel specialise in start‑ups and applicants with imperfect credit, though eligibility, pricing and terms vary by lender and product.
8. What typical costs and fees will I face with commercial finance? — Expect interest margins, arrangement/facility fees, valuation and legal fees for property/development loans, possible broker fees and occasional early repayment or monitoring charges depending on the product.
9. How does security and loan purpose affect the amount I can borrow? — Lenders base loan size on affordability, available security (property, plant or assets), the commercial case and the loan purpose (working capital, acquisition, development), with stronger security and clear exit plans supporting larger facilities.
10. How do I get matched with the right lender or broker via UK Business Loans? — Complete our short free eligibility enquiry with the amount and purpose you need and we’ll quickly connect you with suitable, trusted brokers and lenders who specialise in your sector and loan size.