Fast and reliable business loans

We're on the cutting edge, doing things differently to give you access to fast funding with the flexibility you need to grow. Apply for a UK business loan today!

- Unsecured loans from £5,000 to £100,000

- No early repayment fees

- Borrow over 1 to 24 months

Funding Options Think - Business Finance Century - Business Finance UK Advider

Flexible loans for business – without the faff

We know how important cash flow is for your business. And that means loans tailored to your needs and ambitions. Unfortunately, it's not always that easy. That's why mcl finance is shaking up access to business loans and finance with a unique, modern twist.

There's no one-size-fits-all approach to running a business, and our loans reflect this. We're here to give you easy and quick access to money. Whether you're looking to scale, bridge a funding gap or grab an unmissable opportunity, we can help you access funds to help your business thrive.

Apply for a business loan today

How a business loan through mcl finance works

We've made our application process as quick and easy as possible. Apply in minutes and you could receive a loan for your business on the same day. We’ll always work to get an initial decision straight away without impacting your credit score, so there's no risk.

1. Apply for a business loan

To get started, check your eligibility by submitting some basic information. If you’re eligible, we’ll ask you for a few documents such as your business accounts, photo ID and last three months of business bank statements.

2. Get approved

With the support of a dedicated account manager, we’ll help you through the full approval process. Your business will be evaluated on the metrics that actually matter, such as disposable income, payment history and expected cash flow. You’ll then get a quick decision.

3. You'll get your loan

If your application is successful, you'll usually receive the business loan in your bank on the same day and you're in control from there.

Apply for a business loan today

Business loans FAQs

Who is eligible for a business loan?

To get a loan for your business via mcl finance, you need to:

  • Be a UK-based business
  • Be a private or limited company
  • Have a turnover of at least £15,000 per month
  • Have been trading for at least 1 year

How is mcl finance different from lenders?

We do things differently to banks and business loan lenders. We've helped hundreds of UK enterprises to survive, thrive and scale, all by offering a tailored and flexible approach to accessing business finance. And we've streamlined the application process so you can get back to business pronto. Less faff, more flexibility. That's the mcl finance way.

Can I repay my business loan early?

Yes, you can. And without any extra fees too. If you're ready to pay off your loan, we're ready to send you on your way.

Quick access to


Flexible top-ups &


No early
repayment fees


Human touch

Get a business loan today

What can you use business loans for?

Managing cash flow

Bridging a cash flow gap

Grabbing an unmissable opportunity

Fuelling growth and expansion

Investing in new technology

Boosting marketing efforts

Learn More

We're here to help your business thrive

We know running a business is no walk in the park. That's why we help you access funding, so you can get back to what matters most.

If you're ready to start the next chapter, we're here to help.

Apply for a business loan in the UK today and you could have the money in your bank account in a matter of hours.

If you've got any questions, feel free to contact us. Otherwise, get started with your application right away.

Partner with a business who meets your needs

my business

  • Stay ahead on utilities
  • Meet expectations on payroll
  • Purchase stock
  • Invest in machinery & technology

my story

  • Build my team
  • Fuel the vision
  • Make a difference
  • Create an impact

my passion

  • Say yes to that large order
  • Respond to seasonal demand
  • Smash a new target
  • Keep an eye on investment
When Covid-19 kicked-in and the UK went into lockdown, so did access to loans. A broker referred me to mcl finance who were happy to offer financial assistance. mcl finance is superb and quick! A few clicks on your phone, signing e-docs, direct debit completion and the money is in your account the next day. I will definitely use this company again.

Lilly Jones, Director, Jones Real Estate Limited

mcl finance was actually recommended to me by my bank manager. Obviously my bank had always backed me, but they just took so long to do it. Literally the same day after my application, I had the finance I needed. It was so fast, I’ve never known anything like it.

Charlotte Richards, Founder & Managing Director, Talismanico Ltd.

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