Business loans in London — working capital, growth funding and unsecured lending
London SMEs across hospitality, technology, construction, retail and professional services need fast, flexible funding to move quickly on opportunities without waiting for a high street bank. Finding Capital works with businesses across all London boroughs to source the right lending structure.
How much could you borrow and what would it cost?
Get an indicative monthly payment and check your eligibility in three simple steps. No credit search at this stage.
Use our calculator to see how affordable our loans can be
Tell us about yourself
Search your business, then add the contact details you want us to use.
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Tell us about your business
A few commercial details help us judge the most suitable route before we come back to you.
Funding routes for London businesses
Finding Capital works with businesses across London and the surrounding area to find the right lending structure for their specific requirement. Common business loan enquiries from London include:
- Unsecured business loans for London SMEs needing fast working capital without security
- Secured business loans for larger facilities backed by business or personal assets
- Growth funding for London businesses expanding into new sites or markets
- Working capital loans to manage cash flow gaps between invoices and payments
- Invoice finance for London businesses with outstanding debtor books
- Revolving credit facilities for businesses needing flexible, repeatable access to capital
The right structure for different funding needs
Fast access to working capital and growth funding without taking security over business assets on the right cases.
A more structured route for larger facilities where security can support longer terms or stronger pricing.
Access a reusable line of funding so the business can draw down when needed rather than borrowing one fixed amount.
Release cash tied up in unpaid invoices and smooth working capital without waiting for customers to settle.
Repay through future card takings, making it a useful route for businesses with consistent card-based revenue.
Restructure existing borrowing or release headroom so the business can stabilise payments and move forward with a clearer plan.
Typical business loan timelines
We review your funding requirement, turnover, trading profile and product fit so the case reaches the most suitable lenders first.
Suitable unsecured products can return a decision in as little as 30 seconds, while more complex or larger requests may take longer to underwrite.
Once accepted and signed, funds on the right products can often be paid into your business account within 24 hours.
Whole-of-market access from a single enquiry
Going direct to your bank in London means one set of criteria and one chance at approval. Finding Capital searches 100+ lenders — including challenger banks, specialist funders and alternative lenders that don't appear on the high street — and matches your case to the ones most likely to approve it at the best available terms. One enquiry, whole-of-market access, same-day response for businesses across London and Greater London.
Business loans in London — common questions
Yes. Finding Capital works with businesses across London, Greater London and the wider UK. Enquiries are handled remotely — there is no need to visit a branch or office. You can check your eligibility online in two minutes and a specialist will come back to you directly, usually the same working day.
Finding Capital can source unsecured business loans, secured lending, working capital finance, invoice finance and revolving credit facilities for businesses in London. The right structure depends on what the funding is for, how quickly you need it and what the business can evidence in terms of trading history and turnover. We compare options across the full market rather than recommending a single product.
Straightforward unsecured loan cases with clear trading history can receive a decision the same day and funds within 24 to 48 hours. More complex cases — larger facilities, secured lending or newer businesses — take a little longer. Having recent bank statements, management accounts and a clear explanation of what the funding is for ready before you enquire is the single biggest factor in how fast things move.
Yes, though the options available will depend on how long the business has been trading and what it can evidence in terms of turnover and bank conduct. Some lenders on our panel will consider businesses with as little as four months of trading history. Others require two years. We match your case to the lenders most likely to approve it at your current stage rather than putting you in front of criteria you can't meet.
Unsecured loans don't require business or personal assets as security — they're faster to arrange and involve less risk to your property, but typically come with higher rates and lower maximum amounts. Secured loans use assets as security, which usually means lower rates and higher facilities but a longer process and more documentation. The right choice depends on the amount you need, how quickly you need it and whether you have assets to secure against. We can compare both when you enquire.
Business loans for London businesses — move fast without waiting for your bank
Tell us what the funding is for, how much you need and when you need it. We will find the right lender and structure for your business in London.