Business Loans for UK SMEs, Fast, Flexible Funding Solutions
Fuel your business growth with the right finance, fast. Whether you’re hiring, investing in equipment, or boosting cash flow, we help you access tailored business loans from a panel of 120+ trusted lenders. It’s quick, hassle-free, and won’t affect your credit score to explore your options. No hidden fees. Just funding that fits.
What is a business loan, and how can it be used?
A business loan offers a cash injection to your company that you repay over an agreed period, typically with interest. These loans can be either secured, where an asset is used as collateral, or unsecured, which are based on your company’s credit profile and financial track record.
SMEs often use business loans to help expand operations, bring on new team members, purchase inventory, manage day-to-day expenses, or launch fresh initiatives.
Why choose Prospera Funding for business loans?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Calculate Your Monthly Business Loan Repayments
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for a business loan
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your business loan needs
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review tailored business loan offers
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your working capital loan within 24–48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
