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A small business loan is designed for a wide range of UK small, medium and startup business needs including the purchase, refinance and expansion of a business.

Finance is the lifeblood of a business. Without it you cannot grow.

Small business loans are generally available from £50,000 to £1,500,000 at highly competitive interest rates from leading small loan lenders.

A small business loan can be secured by all types of UK business property, small and residential properties.

Small Business Loans can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.

Small business loans are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client.

Small business loans are available for Self-Declaration with CCJ’s & Mortgage Arrears.

Small Business Loans cover most types of UK property, including:

• Development property, new & redevelopment
• Country properties
• Retail / offices / factories / warehouses
• Investment & owner occupied
• Leisure buildings (Hotels / Pubs)
• Professional practice premises

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Building Business Credit

Most businesses want to be able to borrow money when they need it, without the owners having to guarantee the loans personally. This means less risk to the owners. But wanting to get credit for your business and actually getting it can be two different things.

One company recently approached us because over the past two years they had created a successful business, with over twenty employees. But they couldn’t get a business loan because they hadn’t taken the time to build a business credit profile and didn’t know where to start.

You may have seen marketing hype about how a business credit profile can overcome a bad personal credit file. In most cases, however, it’s important that small businesses have both good business credit, as well as solid personal credit on the part of the owners. This is especially true in the current environment where investors and venture capitalists aren’t handing money out to just anyone who can breathe and has a business idea! Even established businesses will find it necessary in some cases to provide the business owner’s personal guarantees on some loans or credit cards. Read the rest of Locate The Building »