Business Loans

Get your FREE quote

Let’s get started!

The success of every business lies in its ability to grow at a pace. Stagnant companies rely on a small customer base, while growth-orientated businesses conquer broader markets and embrace new opportunities.

  • Simple, easy application
  • We search lenders to get you the best deal
  • 5-star customer service
  • No impact on your credit score
  • No upfront fees or hidden charges
Get your FREE quote

Let’s get started!

Are you a homeowner or a tenant?

Grow your business with a tailored loan from Believe Money

The success of every business lies in its ability to grow at a pace. Stagnant companies rely on a small customer base, while growth-orientated businesses conquer broader markets and embrace new opportunities.

Today’s digital-first society means businesses have more opportunities to reach a wider audience, but there’s also a lot of competition.

Taking out a loan can give you the financial support you need to conquer new markets, diversify your customer base and build a successful company that moves forward.

If you’re looking for a loan that fits your needs, Believe Money can help.

We partner with specialist business loan providers that offer borrowing solutions to applicants who might not meet mainstream lenders’ eligibility requirements.

With a range of low-interest agreements and no upfront fees, any business owner can secure growth with our brokers on their side.

What is a small business loan, and why is it a popular option?

Business loans allow you to borrow money and fund the development of your company, then pay it back over time. You can use the money for anything you want, as long as it benefits your company.

For example, if you need to invest in a marketing strategy but don’t have the finances, you could take out a loan to pay for it, which allows you to grow your customer base, giving you more financial opportunities.

Or, you could use the loan to diversify your stock range, move to a more prominent location and scale up a small business.

These loans are popular for many reasons. Let’s take a look at them.


Every business wants to be successful, but it’s more likely for a company to fail than meet its goals. Business loans are highly accessible and allow you to focus on the growth of your team, services and customer base.

Once you know how much funding you need and the type of loan agreement, you can approach providers and have the money in your back within days.


As long as the money benefits your business, you can spend it on anything you want. Some people need extra cash flow, while others have plans to move into new sectors and markets.

If you wait until you have enough money to achieve your goals, another business will get there first.

More viability

Another significant benefit of a business loan is it allows you to improve the company’s credit rating. If you make regular payments on time and don’t default on your loan, you’ll prove to other lenders that you’re a viable candidate for borrowing money.

When you need to get a larger loan in the future, lenders will look at your credit history, so it’s essential to show you’re a trustworthy borrower.

The types of business loans available

There are so many loans available, but the one you choose will depend on your financial circumstances and credit history.

Our brokers specialise in finding you the right business borrowing solution, and we’ll always show you providers based on your eligibility.

Unsecured business loans

An unsecured loan is one of the most popular lending agreements because applicants don’t have to offer any collateral. Instead, lenders base their decision on financial statements and credit ratings.

If you don’t own a property, an unsecured loan provider will still consider you, but these loans also come with higher interest rates attached to them.

Lenders still want peace of mind that you’ll pay the money back, so some might ask you to enter into a personal guarantee. For example, if you can’t pay your unsecured business loan, you might have to take personal responsibility for the repayments.


  • No risk of losing your property.
  • Easy to get (if you have a good credit score).
  • You can borrow a decent amount of money.


  • You won’t be able to borrow as much money as there’s no security.
  • Unsecured business loans often have high-interest rates.
  • Your lender might take court action if you can’t make repayments.

Secured business loans

Another popular option is a secured business loan. Secured loans work differently from their unsecured counterparts, as you have to offer collateral to the lender—for example, your current business property (as long as there’s equity) or your home.

Some lenders will also accept high-value items as collateral, especially if you own expensive machinery or equipment, but that depends on the criteria they have in place.

The best thing about secured loans is they offer higher payment amounts, and you’ll make repayments over years, not months.


  • You can borrow large amounts of money.
  • The interest rate on your loan will be lower.
  • You don’t need an excellent credit rating.


  • Secured loans are only available to people with high-value collateral. If you can’t offer anything, you’ll only have access to unsecured loans.
  • You could risk losing your assets if you fail to maintain your repayment obligations.
  • You’re often tied into these loans for years.

Short-term business loans

In many ways, short-term business loans are similar to personal loans because they allow you to borrow money when you need it most and pay it back quickly.

These loans are ideal for emergency expenses, such as paying overtime to your employees or fixing broken equipment but aren’t a long-term solution.

The maximum repayment time for a short-term loan is usually two years, but it depends on what your provider is willing to offer.


  • You can pay off the loan quickly.
  • It helps with emergency funding.
  • Most businesses will be eligible for a short-term loan.


  • You’ll have to budget for the repayments.
  • These loans have high-interest rates.
  • They’re not suitable for long-term borrowing.

Credit lines

Credit lines are more financing than an actual loan, as you can take as much or as little as you need. Think of it as a credit card for your business, where you use the credit as and when you want but also have to make payments regularly.

One thing that makes this borrowing solution so popular is that you only pay the interest rate on the money you’ve borrowed – not the credit limit.


  • Credit lines are convenient, as you can borrow what you want.
  • You can find a revolving credit agreement that refreshes when you repay the borrowed amount.
  • You can get a secured and unsecured credit line.


  • The interest rates can be excessive.
  • There will be consequences if you don’t pay what you owe.
  • Defaulting on the agreement could mean you can’t get credit in the future.

Working capital loans

A working capital loan allows you to cover the operational costs of your business, such as hiring new employees or investing in equipment. These loans are popular because they’re one of the most common solutions providers offer and come with favourable terms.

It’s vital to ensure you’ll have more financial stability in the future, as you will need to pay the loan back within the agreed time.


  • Easy to access.
  • It can fill any gaps in your company’s finances.


  • You’ll have to pay the loan back within the allocated time.
  • Borrowing more than you need can cause problems for your business.

Which business loan is right for you?

When it comes to finding the right business loan for your needs, there are many things to consider. The good thing is, with all the loan agreements out there, you’re sure to find one that suits your needs.

The following factors will help you when choosing a borrowing solution.

Eligibility criteria

You can only get a secured loan if you have business assets to offer as security, but unsecured loans often mean you’ll need an excellent credit rating.

Checking each lender’s criteria will ensure you choose the right solution for your needs and don’t waste time on useless applications.

Which loan term do you require?

Some loans – such as unsecured – are short-term solutions, so you can pay the money back within months or a couple of years. However, if you want to borrow more money and spread the cost over the years, you should focus on secured loans.

Credit lines are also available if you don’t have any assets, but try not to borrow more than you need. Getting locked into a long-term loan, you can’t afford will negatively impact your business finances.

Some providers will also add an extra charge if you want to pay off your business loan early.

What are the loan interest rates?

You’ll also have to factor in the various interest rates associated with each loan type. For example, some loans offer a fixed interest rate for the first few years, and then you’ll move on to standard variable rates.

If you don’t check the lender’s interest rate, you could end up paying more and be shocked when your payments increase.

Get the business loan you need with Believe Money

At Believe Money, we believe that all businesses should have the right to grow – regardless of their current finances. Trying to compete with more established companies is a challenge – especially when they can afford marketing, product development and the best talent.

As one of the UK’s most reputable business finance brokers, we work with you to find the best loan for your personal financial situation.

Here’s what you can guarantee when you work with Believe Money.

Access to the best lenders

With all the lenders out there, the mainstream ones you see online only skim the surface. We’re a brokerage company and have access to specialist lenders that you wouldn’t otherwise notice.

For example, some lenders specialise in offering funding options to female entrepreneurs, while others could provide loans to tech start-ups and people with poor credit.

We help large companies, sole traders and everything in between, so you can rest assured that we’ll be able to match you with a lender.

Apply online

We make your experience as easy as possible and will help you with an online application. In some cases, you might complete the application within days and have the money in your account.

Our team go out of its way to help you get a business loan ASAP, so you can rest assured that you’ll be on your way to financing your company in no time.

Work with an award-winning service

We’re dedicated entirely to your experience and aim to make the loan application as simple as possible. Our team works with small businesses and large companies, ensuring each client gets access to specialist lenders.

As an award-winning loans broker, you won’t find a more committed team. We’ve even won awards for our service and charge zero upfront fees.

Find the right business loan for your needs today

If you’d like to learn more about how we can help you, please don’t hesitate to contact our friendly customer service team. We offer all prospective clients a free consultation, and there’s no obligation to proceed with an application.

Get in touch today, and you could be on your way to preparing your company for long-term success.

Why Use Believe Money?

Believe Money is an award-winning finance broker dedicated to offering the best range of affordable loan options. Whatever your circumstances or credit rating, we’re committed to getting you the best secured loan interest rates by searching our entire panel of secured loan providers.

Whatever you need a secured loan for, we’re here to help. Our specialist advisors are available Monday to Friday, so if you need any help please contact us online or give us a call on 01302 591 360.

How It works

Step 1.

Simple, easy application

Step 2.

We search our panel of lenders to find the deal that’s right for you

Step 3.

When you confirm your chosen deal, we get your application moving

Step 4.

The money lands in your bank
account – usually within two weeks

We compare loans from our panel of the UK’s top lenders to get you the best deal.


Contact Us

Mon – Thursday 9am – 7:30pm

Friday 9am – 3pm

Call from a mobile or Landline:

01302 591 360