Unsecured Business Loans
Working capital drawn on the strength of the business, priced against turnover, trading history and directors' covenant. Terms from 6 to 60 months.
Explore
Est. 2019 · London · Commercial Finance
Serious funding
for real businesses.
B2B Loans UK is the funding partner UK business owners reach for when the bank has said no and the bills have not stopped coming. Fast, straight-talking commercial finance, delivered with the assurance of an established institution.
£25k - £10m
Facility size
48 hours
Typical time to decision
40+ lenders
Whole-of-market panel
Trusted by advisers & owners across
RecruitmentConstructionHealthcareHospitalityManufacturingTrades
Our position
The speed of a modern broker. The assurance of an established institution.
High street banks are safe, but they are slow, and their credit committees are quick to decline anything that does not fit a template. The other end of the market - the swarm of anonymous finance sites - is quick, but it is faceless, pushy and forgettable.
B2B Loans UK deliberately occupies the empty middle. We move at the speed a live cash-flow problem actually needs, and we do it with the polish, discretion and paperwork discipline a serious owner expects when they are signing personal guarantees.
Where a bank sees risk, we look for a route. Where a broker sees a lead, we see a client relationship that is measured in years.
About the firmFunding solutions
Four routes to capital, one honest process.
Invoice & Cash-flow Finance
Release cash tied up in unpaid invoices. Confidential and disclosed facilities, single-invoice discounting and full-service factoring.
ExploreAsset Finance & Refinance
Hire purchase and lease facilities to buy new plant, vehicles or equipment - or release equity from assets already on the balance sheet.
ExploreBridging & Secured Lending
Short-term secured funding against commercial or investment property, drawn in as little as 10 working days for acquisitions, refurbishments and exits.
ExploreBy the numbers
The figures a serious enquiry deserves.
£312m+
Facilities placed since 2019
2,400+
UK businesses funded
72%
Bank-declined cases funded
48 hrs
Median indicative offer
How we work
From first call to funds in the account.
01
Enquiry
A ten-minute call with a director. No forms, no scripts - a conversation about the business and what the capital is for.
02
Placement
We shortlist the two or three funders on our panel most likely to price this deal well, and put it in front of a real decision-maker.
03
Offer
You receive written indicative terms - rate, fees, security, drawdown - usually inside 48 hours of the first call.
04
Funds
Once terms are accepted, we run the credit paper and drawdown together. Most facilities settle inside two working weeks.
Client voices
“Two banks and a challenger had already declined the facility. B2B Loans placed £480,000 of working capital against our invoice ledger within nine working days.”
“They did not oversell. They told us exactly what the rate would be, what security would be taken, and what the timeline was. Everything landed the way they said it would.”
Ready to see what your business can actually be funded for?
A ten-minute call with a director. Indicative terms in writing, usually inside 48 hours.