Business loans — What loan amounts are available through UK Business Loans?

Summary: UK Business Loans helps UK companies access loan amounts starting from around £10,000 up to multi‑million commercial facilities. Typical ranges vary by product: unsecured working‑capital and small asset finance from about £10k–£250k; mainstream term and secured facilities £25k–£5m+; commercial mortgages, development finance and large corporate facilities running into multi‑million sums. Availability depends on business size, sector, security and lender appetite — complete a Free Eligibility Check to see what you could access.

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Quick answer: typical loan amounts through UK Business Loans

UK Business Loans introduces businesses to lenders and brokers who typically offer loan sizes starting at approximately £10,000 and stretching up to multi‑million commercial facilities. While many small business enquiries fall in the £10k–£500k band, specialist property and development finance can exceed £5m depending on the project and security. To get an accurate, personalised view for your business, submit a Free Eligibility Check and we’ll match you to the lenders and brokers most likely to help.

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Loan ranges at a glance

• Micro / small working capital: from ~£10,000 to £50,000
• Typical SME loans & asset finance: £25,000 to £500,000
• Mid-market & growth facilities: £250,000 to £2,000,000
• Large commercial & development finance: £2,000,000 to £20,000,000+

These ranges are indicative. Final lender offers depend on eligibility, security and the product type.

How lenders (and brokers) decide how much they’ll lend

Lenders do not base limits solely on a headline figure — they assess a mix of quantitative and qualitative factors:

• Turnover and profitability: larger, profitable businesses can typically access bigger facilities.
• Trading history: established trading records increase lender confidence.
• Security and assets: commercial property, equipment or stock often unlock larger sums.
• Sector risk & contracts: recurring contracts or government/large‑client income improves appetite.
• Director credit profiles: good credit makes unsecured lending easier; adverse credit may limit products or increase costs.
• Purpose & repayment plan: project finance with clear exit/refinance routes supports bigger loans.

UK Business Loans matches your enquiry to lenders/brokers who specialise in your industry and the loan size you need, increasing the chance of receiving appropriate, actionable quotes.

What loan amounts look like by finance type

Unsecured business loans

Typical amounts: £10,000–£250,000

Best for working capital, marketing, short‑term expansion or hiring without offering collateral. Unsecured options are faster but often carry higher rates; larger unsecured amounts usually require strong business performance and director backing.

Secured business loans & term loans

Typical amounts: £25,000–£5,000,000+

Secured term lending (including loans secured on commercial property) suits businesses planning large expansion, refinancing or acquisitions. The amount a lender will advance depends on the value and type of security, plus loan‑to‑value or loan‑to‑cost ratios set by each lender.

Asset & equipment finance

Typical amounts: £10,000–£2,000,000

Hire purchase, finance lease or asset refinance tied to equipment/vehicles. Facility size usually relates to asset value and life; structured repayments and residual values are common.

Invoice finance & factoring

Typical facility size: from £25,000 to several million (driven by monthly invoice run‑rate)

Facilities advance a percentage of outstanding invoices (commonly 70–90%). The larger your sales ledger, the larger the facility that can be provided — so invoice finance scales with turnover rather than historic profit alone.

Commercial mortgages & development finance

Typical amounts: £100,000 to £20,000,000+

For property purchases, portfolio lending and development projects. Development finance often provides staged drawdowns with assessment of costs, projected values and exit strategies — lenders will size facilities against loan‑to‑cost and loan‑to‑value targets.

Bridging loans & short‑term finance

Typical amounts: £25,000–£10,000,000

Designed for speed and flexibility — bridging loans cover urgent purchases, auction bids or gap funding ahead of longer‑term finance. Terms are short and costs higher; security is usually flexible but must be acceptable to the lender.

Specialist & sustainability loans

Typical amounts: £10,000–£5,000,000+

Specialist lending includes green and sustainability finance for projects like solar, EV chargers or energy efficiency upgrades, plus sector‑specific facilities (e.g., agriculture, hospitality). Some lenders offer preferential terms where projects deliver measurable environmental benefits.

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Mini case studies (illustrative)

• Café equipment upgrade — £18,000

  Problem: Replace kitchen kit and manage seasonal stock. Outcome: matched to an asset finance broker; hire‑purchase approved quickly, repayments aligned to cashflow.

• Manufacturer expansion — £350,000

  Problem: New production presses and extra working capital. Outcome: combined asset finance and invoice facility secured to reach required total.

• Developer bridge to development facility — £3.2m

  Problem: Immediate site purchase and enabling works. Outcome: short‑term bridge arranged then refinanced into staged development lending as planning and milestones progressed.

  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.

These are examples only; each real case involves full lender assessment and terms that vary by provider.

How UK Business Loans helps you secure the right amount

• Fast matching: submit a short enquiry and we match you to lenders and brokers that specialise in your sector and target loan size.
• Broader access: instead of approaching multiple lenders yourself, we identify the most relevant partners and present your enquiry to them.
• Time saving: receive indicative options quickly so you can compare without multiple cold approaches.

We do not lend or give regulated financial advice — we introduce businesses to lenders and brokers who can help. Complete a Free Eligibility Check to receive tailored responses from partners who can offer quotes and next steps.

What to prepare before you enquire

Having the right documents and details speeds the process and helps brokers provide indicative facility sizes:

• Business basics: company name, turnover, years trading and contact details.
• Loan purpose and the amount you need (be realistic about timing and term).
• Recent bank statements (3–6 months) and latest management accounts.
• Details of assets, property or major invoices/contracts (if relevant).
• Information on any existing borrowing you wish to refinance or consolidate.

Submitting an enquiry to UK Business Loans is a non‑obligatory Free Eligibility Check and does not affect your credit score. Lenders or brokers may perform credit checks only at formal application stages with your consent.

Frequently asked questions

Ready to find out what loan amounts you could access?

Submit a short, no‑obligation enquiry and we’ll match your business with lenders and brokers who specialise in the sector and loan size you need. Expect a quick, free response with indicative options and next steps.

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Learn more about typical options and products on our main business loans information page: business loans.

Important: UK Business Loans is an introducer. We do not lend money or provide regulated financial advice. We introduce businesses to lenders and brokers who may provide finance offers; any offers, rates and terms are set by those lenders and are subject to their eligibility checks.

1. What loan amounts can I access through UK Business Loans?
Typical loan amounts start at around £10,000 and range up to multi‑million commercial facilities depending on product, security and lender appetite.

2. Will submitting a Free Eligibility Check affect my credit score?
No — submitting an enquiry to UK Business Loans does not affect your credit file; lenders may only carry out checks later with your consent.

3. Is UK Business Loans a lender or does it provide financial advice?
We are an introducer that connects you to FCA‑regulated lenders and brokers — we do not lend money or provide regulated financial advice.

4. How quickly will I get responses after I submit the enquiry form?
You can often expect a call or email from suitable lenders or brokers within hours of submitting the Free Eligibility Check.

5. What types of business finance can you match me with?
We can introduce you to providers of unsecured and secured business loans, asset and equipment finance, invoice finance, commercial mortgages, bridging loans, sustainability loans and more.

6. Can start‑ups or businesses with limited trading history get funding through your panel?
Yes — some lenders on our panel specialise in start‑ups and early‑stage businesses, though they may require director backing or different terms.

7. Can I apply if my business has adverse or poor credit?
Yes — there are specialist lenders and brokers in our network who consider businesses with imperfect credit, but options and rates may vary.

8. What documents should I prepare before enquiring for a business loan UK?
Prepare basic business details, turnover and trading history, recent bank statements (3–6 months), management accounts, and information on assets or major invoices/contracts.

9. Do you guarantee that I will receive an offer or specific rate?
No — we introduce you to lenders and brokers who may provide indicative quotes, but final offers, interest rates and terms are set by those lenders after full assessment.

10. How do lenders decide how much they will lend to my business?
Lenders assess turnover and profitability, trading history, sector risk, director credit profiles, the purpose and repayment plan, and available security when sizing a facility.