Business Loans for UK Companies
Flexible funding solutions to support growth, cashflow, and business expansion
What Are Business Loans?
SME business loans provide UK companies with structured borrowing through fixed repayments over an agreed term. These loans are commonly used to support working capital, cashflow stability, equipment investment, recruitment, or business expansion.
At MacManus Asset Finance, we are FCA-regulated and independent, with over 25 years’ experience arranging SME unsecured business loans and structured funding solutions. We compare lenders across the UK market to secure competitive rates, clear terms, and funding structures aligned with your cashflow.
How Business Loans Works
Step By Step
1. Define your funding needs — amount, purpose, and term.
2. Submit financial documents — accounts, bank statements, and trading history.
3. We compare lenders and negotiate terms.
4. Receive tailored offers with clear repayment schedules.
5. Loan approval and fund release.
6. Repay via structured monthly instalments aligned with cashflow.
Main Types of Business Loans
Unsecured Business Loans
Ideal for profitable or established SMEs, based on trading performance and creditworthiness. No specific security required.
Secured Business Loans
Backed by property or assets. Typically offer lower rates and higher borrowing limits.
Working Capital Loans
Short- to medium-term funding used to stabilise cashflow during growth, seasonal fluctuations, or operational pressures.
Growth & Expansion Loans
Support acquisitions, new premises, equipment investment, staffing, or expansion into new markets.
Professional Practice Loans
Tailored funding for accountants, solicitors, medical practices, dentists, and other professional services.
Benefits of Business Loans
Working with an expert broker provides clear advantages:
Predictable budgeting
Fixed repayments aid financial planning.
Competitive terms
Access to a wider choice of UK business funding options.
Fast decisions
Many lenders offer approvals within 24–72 hours.
Flexible terms
6 months to 7 years depending on lender appetite.
Supports growth
Funding for equipment, staffing, marketing, or working capital.
Improved resilience
Helps businesses handle seasonal dips or unexpected costs.
Why Use a Business Loan Broker?
Working with MacManus Asset Finance gives SMEs:
- Full comparison of business loan options
- Align repayments with cashflow
- Support single loans or multiple funding facilities
- Handle lender communications
- Provide long-term guidance and account management
- Competitive negotiation on rates and fees
Apply for Business Loan
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
Industries We Support
We arrange business loans across sectors including:
- Haulage & Logistics
- Construction & Civil Engineering
- Manufacturing
- Agriculture
- Professional Services
- Wholesale & Distribution
- Healthcare & Dentistry
- Engineering & Fabrication
Each industry has unique cashflow patterns—we match SMEs with lenders who understand them.
Qualifications and Documents Needed
Lenders typically assess:
- Trading performance
- Annual accounts or management figures
- 3–6 months of bank statements
- Business and director credit profiles
- Loan purpose and affordability
Documents required may include:
- 1–2 years of accounts
- Bank statements
- Director ID
- Cashflow forecasts (larger loans)
Why Choose MacManus Asset Finance?
- 25+ years’ experience in business loans
- Award-winning broker – Business Moneyfacts Asset Finance Broker of the Year 2024, commended 2025.
- Independent and FCA-regulated – impartial advice you can trust.
- Access to specialist SME lenders
- Transparent comparisons and advice
- Dedicated support from application to completion
- Trusted by UK businesses nationwide
Frequently Asked Questions
Many lenders offer decisions within 24–72 hours.
Not always — many lenders offer unsecured business loans based on trading history.
Yes, via specialist SME lenders.
6 months to 7 years.
Yes — often with reduced interest.
Working capital, equipment, marketing, recruitment, refurbishments, acquisitions, and more.
Related Finance Options
Asset Finance
Expand, hire more staff or increase cash flow.
- Borrow from £10,000 up to £5 million+
- From 3.7% rate per annum
- Terms of 1 to 7 years.
Invoice Finance
Turn unpaid invoices into working capital right away.
- Up to 90% of invoice value
- From 1 to 3% and discount rates from 1.7% over base
- Rolling or fixed agreements
VAT Loans
Break your VAT bill into manageable payments.
- From £10,000 up to £2,000,000.
- From 6% over the term
- 3 months term
Car Finance
Drive now, pay monthly. Don’t pay it all at once.
- Up to £2.000,000+
- From 9.9% APR subject to credit profile
- 1 to 5 years term
Business Loans for UK Businesses | Award-Winning Asset Finance Brokers
Discover tailored Business Loans with MacManus Asset Finance. Independent, FCA-regulated asset finance brokers with 25+ years’ experience.
- OR CALL
- 0330 027 0433
Your Outsourced Business
Finance Partner
We analyze your business profile to match you with
the right finance—fast and fee-free.
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