Business finance & loan sizes — £10,000 to £5M+

Quick summary: UK Business Loans helps UK limited companies and SMEs find business finance from around £10,000 up to £5,000,000+ by matching you with lenders and brokers that specialise in the loan size and purpose you need. We do not lend directly — we introduce your enquiry so lenders/brokers can provide tailored, no‑obligation quotes. Start with a Free Eligibility Check to see which loan band your business fits into and get matched quickly.

Get Quote Now — Free Eligibility Check

---

Quick answer — loan sizes we can connect you to

UK Business Loans can introduce company and SME enquiries to providers offering a broad spectrum of business finance. Typical loan-size bands are:

• Micro to small: £10,000 – £50,000
• Small–medium: £50,000 – £250,000
• Medium: £250,000 – £1,000,000
• Large commercial: £1,000,000 – £5,000,000
• Bespoke & corporate: £5,000,000+

Which band is realistic for your business depends on sector, turnover, trading history, credit profile, security and the loan purpose. If you want a quick assessment, use our Free Eligibility Check and get matched to lenders and specialist brokers who work at your preferred size.

Free Eligibility Check — Get Quote Now

---

How loan size affects the type of finance available

Loan size is one of the main determinants of product type, security and the level of underwriting a lender will apply. Below is a practical guide to the kinds of finance you’ll commonly see in each band.

• £10k–£50k: Unsecured business loans, short-term bridging, merchant cash advances, small invoice finance facilities and small equipment/asset finance (e.g. a single machine or van). These products are usually quicker to arrange with simpler documentation.
• £50k–£250k: Larger unsecured or lightly secured loans, asset finance (vehicles, plant), invoice discounting, commercial overdrafts, supplier finance and fit‑out loans. Terms and rates become more competitive when security or strong cashflows are available.
• £250k–£1m: Development finance, commercial property loans, larger asset-backed loans, specialist non-bank commercial lenders and broker-arranged facilities. Expect more detailed accounts, forecasts and sometimes property or chargeable assets as security.
• £1m–£5m: Senior commercial lending, development and bridging for large projects, acquisition finance, structured asset finance and refinance facilities. These deals are generally bespoke and require detailed due diligence, valuations and legal work.
• £5m+: Corporate and syndicated loans, mezzanine debt, large-scale development funding and structured private debt. These facilities are bespoke, priced individually and arranged through corporate finance teams and specialist brokers.

Generally, larger loans require stronger financial evidence, longer lead times and greater security, while smaller loans favour speed and simplified documentation. To discuss which product fits your target loan amount, start your enquiry and we’ll match you to the appropriate specialists.

Start your enquiry — Free Eligibility Check

---

Examples by industry — common loan needs and typical bands

Below are common use-cases by sector and the loan bands they often sit in. These examples are illustrative to help you identify where your need may fall.

• Construction: Contract mobilisation, materials and plant — typically £50k–£2m depending on contract size; bridging and invoice finance are commonly used for contractor cashflow.
• Sustainability & renewables: Solar installations, EV chargers, heat-pump projects — often £25k–£1m via equipment finance, commercial loans or green finance products.
• Retail & hospitality: Fit-outs, refurbishments and stock — frequently £20k–£500k depending on scale; asset finance or landlord-secured loans are common.
• Manufacturing: Plant and machinery purchases — asset/hire‑purchase or leasing from £25k up to several million for production lines.
• Professional services & SMEs: Working capital, small expansions — unsecured loans, invoice finance or overdrafts from £10k–£150k.

Mini case study (anonymised): A UK manufacturer secured £450k of asset and stock finance to buy new equipment and increase output; a specialist lender and broker packaged the deal within two weeks after an initial enquiry.

Get matched to lenders for your sector — Free Eligibility Check

---

Which lenders & broker types cover each loan band

Different providers specialise in different sizes and risks. Knowing who to approach speeds up outcomes.

• Challenger banks & marketplace lenders — often operate well for £10k–£250k with fast online processes and simple security options.
• Asset finance houses & leasing specialists — cover a wide range from small equipment loans up to multiple millions depending on asset type.
• Specialist commercial & non-bank lenders — frequently offer £50k–£5m+ for development, bridging, and higher-risk profiles that high-street banks may decline.
• High-street banks & commercial mortgage lenders — generally active from £100k upwards on property-secured loans and refinancing, with rigorous underwriting.
• Brokers and introducers — can access panels across bands, bundle documentation and negotiate terms, particularly useful for £250k+ bespoke deals.

If you’re unsure which route suits your size and sector, a quick enquiry will match you to the right type of provider.

Talk to a specialist broker — Get Quote Now

---

What lenders will ask for — eligibility & documentation by loan size

Documentation requirements rise with loan size. Below is a concise guide to typical expectations.

• All loan sizes: Business name, company registration, director details, funding purpose and basic bank statements.
• £10k–£50k: ID, 3–6 months business bank statements, recent management accounts; affordability checks are often light.
• £50k–£250k: 6–12 months bank statements, management accounts, evidence of contracts/orders or invoices if invoice finance.
• £250k–£1m: 2+ years accounts where available, cashflow forecasts, asset valuations and security documents where required.
• £1m+: Audited accounts, detailed business plans, professional valuations, legal due diligence and third‑party reports for complex transactions.

Submitting an initial enquiry does not trigger a formal credit search. Lenders/brokers will advise you when a credit check is required during the application process.

Start your no‑obligation enquiry

---

Typical costs, rates and examples (illustrative only)

Rates and fees vary widely by product, lender, loan size, term, security and credit history. The figures below are indicative — final pricing comes from the lender after checks.

• Short-term small loans: illustrative APRs can range broadly (e.g. 6%–30%+ depending on product type and term).
• Asset finance: often priced lower than unsecured lending — illustrative margins might sit between 3%–15% depending on term and asset.
• Large commercial & development finance: bespoke pricing — typically a margin over base or SONIA, plus arrangement, monitoring and exit fees.

Common fees to watch for: arrangement fees, facility fees, valuation and legal costs, monitoring fees and early‑repayment fees. Always request a full schedule of fees and an example repayment profile from any lender before you accept an offer.

Get a real quote — no obligation

---

How UK Business Loans matches you to the right lender (process & benefits)

Our process is designed to be fast and simple. Typical steps:

1. Complete a short enquiry form with your company details and the funding required (takes around 2 minutes).
2. We match your enquiry to lenders and brokers with the right appetite for your loan size and sector.
3. A matched lender/broker will contact you for a free eligibility check and to request supporting documents.
4. Compare the offers you receive and decide which best fits your business — there’s no obligation to proceed.

Benefits: speed (many enquiries receive a response within hours), specialist matching (we route enquiries to providers who understand your sector) and no cost to you for the introducer service. You consent to us sharing your details with matched partners when you submit the enquiry.

Get Quote Now — Free Eligibility Check

---

Frequently asked questions

What loan amounts can I apply for through UK Business Loans?

We introduce enquiries for amounts from around £10,000 up to £5m+, and in specific situations we can help source larger corporate or syndicated facilities.

Will submitting an enquiry affect my credit score?

No — completing our short enquiry does not affect your credit score. Lenders may run credit checks later with your consent.

Do you lend money or give regulated financial advice?

No — we are an introducer. We connect your business to lenders and brokers who provide quotes and complete applications.

How quickly will I get a quote?

Often within hours; timing depends on the lender/broker and how quickly you can provide requested documents.

Do you charge businesses to use the service?

Our introducer service is free for businesses submitting an enquiry.

What documents do I need for a £1m+ loan?

Audited accounts, detailed cashflow forecasts, valuations, legal due diligence and other professional reports are typically required.

Start your enquiry — get matched today

---

Compliance & transparency

UK Business Loans is an introducer that helps match businesses to lenders and brokers. We do not provide loans and we do not give regulated financial advice. All offers and contractual terms are provided by the lender or broker you are introduced to. Figures on this page are illustrative — the final rate, term and fees will be set by the lender following their assessment.

By submitting your enquiry you consent to your details being shared with appropriate lenders/brokers so they can perform eligibility checks and contact you with quotes. For full details see our Privacy Policy and Terms & Conditions.

---

Internal links & next steps

Ready to see which loan band your business fits into?

• Get Quote Now — Free Eligibility Check
• Learn about specific products (asset finance, invoice finance, development loans) by contacting our team via the enquiry form.
• For a broader explanation of the finance landscape see our business finance hub on business finance.

We’ll connect you to lenders and brokers who can provide the detailed quotes and next‑step support you need.

business finance

1. What business loan amounts can UK Business Loans help me access?
We introduce businesses to lenders and brokers offering finance from around £10,000 up to £5m+ (and larger bespoke corporate facilities in some cases).

2. Will submitting an enquiry or Free Eligibility Check affect my credit score?
No — completing our short enquiry or Free Eligibility Check does not affect your credit score; lenders may run checks later with your consent.

3. Is the enquiry form an application or does UK Business Loans lend money directly?
The enquiry form is not an application — UK Business Loans is an introducer that connects you to lenders and brokers who provide the actual offers.

4. How quickly will I receive quotes or responses after I submit an enquiry?
Many enquiries receive a response within hours, though timing depends on the matched lender/broker and how quickly you supply requested documents.

5. What types of finance are available for different loan sizes (e.g., £10k–£5m)?
Typical products include unsecured and short-term loans at £10k–£50k, asset and invoice finance at £50k–£250k, development and property loans at £250k–£1m, and bespoke commercial or syndicated facilities above £1m up to £5m+.

6. What documents will lenders typically ask for when applying for a business loan?
Documentation ranges from ID and 3–12 months of bank statements for small loans to 2+ years’ accounts, forecasts, valuations and legal due diligence for loans over £250k–£1m and audited accounts for £1m+.

7. How much will a business loan cost and what fees should I expect?
Costs vary widely by loan size, product and credit profile — expect interest margins plus arrangement, valuation, legal, monitoring and potential early‑repayment fees, and always request a full fee schedule.

8. Can start-ups or businesses with poor credit get matched to lenders through your service?
Yes — we work with specialist lenders and brokers who consider start-ups and businesses with imperfect credit histories, though terms and eligibility will vary.

9. Which types of lenders cover different loan bands (e.g., challenger banks, asset finance houses)?
Challenger banks and marketplace lenders typically handle £10k–£250k, asset finance and leasing specialists cover a wide range, specialist non‑bank lenders serve £50k–£5m+, and high‑street banks focus on larger property‑secured facilities.

10. How does UK Business Loans match my business to the right lender or broker?
We use your short enquiry details (loan purpose, amount, sector, turnover) to route your enquiry to vetted lenders and brokers with the right appetite and expertise, who then carry out a free eligibility check and provide quotes.