Small Business Loans for UK SMEs
Unlock fast and flexible funding with small business loans designed for UK companies. Whether you’re managing day-to-day operations, purchasing stock, hiring staff, or launching a new venture, tailored finance solutions are available. Compare your options and apply in just minutes, without impacting your credit score.
What is a small business loan, and how can it be used?
A small business loan is a type of financing specifically designed to help small businesses access the capital they need to operate, grow, or overcome financial challenges. These loans can be used for a variety of purposes, such as purchasing stock or equipment, hiring staff or covering payroll, managing cash flow gaps, expanding operations or opening new locations and refinancing existing debt.
Small business loans come in several forms, including unsecured loans, secured loans, invoice finance, asset finance, and merchant cash advances, and can be provided by banks, alternative lenders, or government-backed schemes.
Loan amounts, terms, interest rates, and eligibility criteria vary depending on the lender, the creditworthiness of the business, and how long it’s been trading.
Typically, lenders assess factors such as revenue, profit margins, business plans, and credit scores before making a decision.
Why choose Prospera Funding for a small business loan?
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.
How to apply for a small 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 small business loan requirements
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 small business loan options
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 small business loan in your account 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.
Small Business Loan Calculator, Estimate Your Monthly 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.
