Short-term business loans

Get fast and flexible access to short-term finance in as little as 4 hours with a business loan via mcl finance. We're in your corner, providing your business access to the funding it needs need to achieve its ambitions.

  • Unsecured loans from £5,000 to £100,000
  • No early repayment fees or charges
  • Borrow over 1 to 24 months

Apply for a short-term business loan

Flexible, short-term loans for your business

We understand that many businesses often need quick access to cash, whether it's so they can seize opportunities or cover unexpected costs. Whatever the reason why your business needs short-term finance, the last thing you need is complicated application processes and rigid loan agreements getting in the way.

That's where a short-term business loan comes in. They give you rapid access to lending without any lengthy contracts. You can choose exactly how long you want the loan to last, from 1 to 24 months. And after you've got the extra cash in your account, you're free to focus on what matters most.

Apply for a small business loan

How our short-term business loans work

The application takes minutes and doesn't impact your credit score. We'll let you know the result almost immediately. And you could receive your short-term business loan within a few hours.

1. Apply for a short-term business loan

The first step is to submit some basic information to check your eligibility. Then, we'll need you to submit a few documents such as your photo ID, your latest filed accounts and business bank statements for the last three months.

2. Get approval

One of our dedicated account managers will guide you through every step of the approval process. We'll decide the best loan for you, based on transparent and objective metrics, such as payment history, disposable income and expected cash flow.

3. Receive your funds

If approved, you could get your short-term loan to your business bank account in less than an hour from approval. What you do with it is completely up to you.

Apply for a short-term business loan

What can you use a short-term business loan for?

You can use a short-term loan for anything you think will help your business. You're the expert when it comes to your enterprise, not us, so we'll just supply the funds and leave the strategic decisions to you. But just in case you're wondering, you could use a short-term loan to:

  • Balance cash flow
  • Drive plans for growth
  • Seize an opportunity that's too good to miss
  • Bridge a gap in your funding
  • Invest in new systems or technologies
  • Boost your marketing

We've already helped a business like yours

It's our mission to help small and medium-sized businesses get the boosts they need with flexible financial products like our short-term business loans. We've already helped many entrepreneurs make their dreams a reality. Here's how:

"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 24 hours 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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Apply for a short-term business loan today

The world of business finance is rarely a breeze. That's why it's our passion to give businesses like yours easy access to funding, so you and your customers can flourish.

Apply for a short-term business loan today and the funds could be in your business bank account in as little as 4 hours. Feel free to contact us if you have any questions. If not, start your application right away.


Apply for a short-term business loan

Short-term businesses loans FAQs

What is a short-term business loan?

A short-term business loan lets your business borrow money and pay it back quickly, over months rather than years. This allows you to quickly access funding to help your business thrive, without becoming burdened by long-term debt.

What are the benefits of a short-term business loan?

There are several benefits to taking out a short-term loan to finance your business:

  • Rapid access: Making your application is quick and easy. We'll let you know if you've been approved almost as soon as we get the information we need. And your money could be in your business account in as little as 4 hours.
  • Flexibility: You decide how much you want to borrow and how long your loan term will be. You don't have to secure the loan against any collateral. And there are no early repayment charges or hidden fees, meaning you can pay it back at your own pace.
  • Less interest: You won't accrue as much interest with a short-term business loan as you would if you borrowed money on a long-term basis, although the rates may be slightly higher.

Who can get a short-term business loan?

For you to be eligible for a short-term loan from mcl finance, your business needs to:

  • Be based in the UK
  • Be a private or limited company
  • Have a turnover of at least £15,000 per month
  • Have been trading for at least 12 months

If I need help applying for my quick small business loan, can your team help?

Yes, our lending team is on hand to help our customers put together their applications. This process can help you to make sure you have everything in place straight away, which can lead to an even quicker lending decision. If you have any more questions about the application process for online quick business loans, take a look at our general FAQs section.