Start-up Loans for UK Entrepreneurs
Launching a new business often requires crucial financial support. A start-up loan provides early-stage entrepreneurs with the working capital needed to cover initial expenses, purchase equipment, hire staff, and grow operations confidently.
Designed specifically for new businesses and start-ups across the UK, start-up loans offer competitive interest rates, flexible repayment terms, and access to government-backed schemes that can improve your chances of approval.
Whether you’re looking to fund business setup costs or boost cash flow during the critical early months, a start-up loan can be the key to turning your business idea into reality.
What is a start-up loan, and how can it be used?
A start-up loan is a small business loan tailored for early-stage companies that often struggle to get funding through traditional bank loans. It is commonly available to UK-based entrepreneurs who are starting a business or have been trading for less than two years. These loans usually range from £500 to £250,000, offering vital working capital or investment for essential business needs.
Why choose Prospera Funding for start-up 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.
Estimate Your Monthly Start-up 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 start-up loan in the UK
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.
1. Tell us about your start-up 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 your start-up loan options
3. Receive your start-up 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.
