Small business loans

Get the cash injection your small business needs to survive and thrive. We provide access to SME loans that are tailored to you and flexible to help fuel your ambitions, whatever they may be. We do things differently here, ensuring you quickly get your hands on the money required to take your small business to new heights and beyond.

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


Apply for a small business loan

Small business loans, just faster and more flexible

We know there isn't a one-size-fits-all approach to entrepreneurship. That's why our loans for small businesses are tailored to your specific needs. Whether you're looking to sure up your finances, settle your cash flow or invest for the future, funding helps you get business done.

Small business owners such as yourself have a lot to be getting on with – we know. So, we've made the lending process as quick and convenient as possible. With cash in your pocket, you can get back to business and focus on what matters most to you and your customers.

Apply for a small business loan

How our small business loans work

You can apply in a matter of minutes. And you could even receive your SME loan in just a few hours. Any check for eligibility or application won't impact your credit score and we'll get you an almost instant decision, so you can get started risk-free.

1. Apply for a small business loan

First, we'll check your initial eligibility once you submit some basic information. Then we’ll get a few documents from you such as your business accounts, photo ID and last three months of business bank statements.

2. Get approval

With the support of a dedicated account manager, we’ll guide you through the full approval process. Your business will be evaluated on things such as disposable income, payment history and expected cash flow. Then you’ll get a quick final decision.

3. Receive your funds

If approved, you could get the loan for your small business within 4 hours of being approved. And from there, you're in the driver's seat.


Apply for a small business loan

What can you use a small business loan for?

You can use a loan to benefit your small business in any way you see fit. We're not the experts when it comes to running your enterprise – you are. We'll just provide the funds you need to take your business to the next level and beyond. But if you're curious, a small loan for your business could help to:

  • Even out cash flow
  • Fund expansion plans and support growth
  • Grab an opportunity that's too good to miss
  • Bridge a funding gap
  • Invest in new technology or systems
  • Enhance your marketing efforts

We've already helped small businesses like yours

We know how challenging life as a small business owner can be. That's why we're here to provide the funding you need to focus your time and effort on the other things that matter. Here's how we've helped customers already:

"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

Read more business stories

Small business loans, just faster and more flexible

We know there isn't a one-size-fits-all approach to entrepreneurship. That's why small business loans through mcl finance are tailored to your specific needs. Whether you're looking to sure up your finances, settle your cash flow or invest for the future, funding helps you get business done.

Small business owners such as yourself have a lot to be getting on with – we know. So, we've made the process as quick and convenient as possible. With cash in your pocket, you can get back to business and focus on what matters most to you and your customers.


Apply for a small business loan

Small business loans FAQs

What is a small business loan?


A small business loan is a financial product designed to assist small businesses with needs like startup costs, expansion, equipment purchase, or cash flow management.

Businesses can usually borrow up to £100,000 and repay it, along with interest, in regular installments agreed upon with the lender.

Typically, these loans are unsecured and are repaid within a 24-month period.

How do I get a small business loan?

Before searching for a small business loan, it's good to assess your financial needs and credit score, then collect any financial information that will help with your loan application, such as bank statements and financial accounts.

Research and compare various lenders, including banks and online platforms, to identify favorable terms and rates.

Consider consulting a broker for additional guidance and assistance in the process.

How much can I borrow with a small business loan?

The amount you can borrow with a small business loan will depend on several factors including the lender's policies, your business's financial health, credit history, and the purpose of the loan.

Generally, loan amounts can range between £5,000 and £100,000.

Lenders will assess your business's revenue, profitability, years in operation, and creditworthiness to determine the loan amount you're eligible for. It's important to borrow only what you need and can realistically pay back.

Who can apply for a small business loan?


Small business loans are generally accessible to owners of legally registered businesses, such as Limited businesses or Limited Liability Partnerships.