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
Established 2023 · London · Commercial Finance
Commercial finance
for UK businesses.
B2B Loans UK is a commercial finance broker helping UK businesses explore loans, invoice finance, asset finance and property-backed funding. We look beyond a single lender and explain the costs, security and repayment structure before you decide.
£25k - £10m
Facility size
4 routes
Ways to fund your business
UK-wide
Businesses we work with
Finance for businesses across
RecruitmentConstructionHealthcareHospitalityManufacturingTrades
Our position
The speed of a modern broker. The expertise of an established brokerage.
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.
How we workFunding 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.
ExploreWhy B2B Loans UK
The bank way, and the way we work.
The goal is the same - the right facility for the business. The experience of getting there can be very different.
The traditional route
- One lender, one answer
A single credit committee and a single set of criteria. If the deal does not fit the template, the conversation usually ends there.
- Paperwork before a conversation
Business plans, forecasts and branch appointments are often required before anyone looks at how the business actually trades.
- Rigid on history
Young companies, seasonal trade and recent dips in profit can count against an application regardless of current performance.
The B2B Loans UK route
- Several routes considered
We look across loans, invoice finance, asset finance and property-backed funding to find structures that suit the requirement.
- Conversation first
Start with a call or a short enquiry. We only ask for documents once there is a realistic route worth pursuing.
- Explained in plain English
Costs, security, guarantees and repayment terms are set out clearly so you can compare options and decide at your own pace.
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 outcomes
We have helped thousands of UK businesses.
The accounts below are a sample of that work - each one arranged for a business facing a specific constraint: a payroll that could not wait, a deal with a closing window, a customer on 60-day terms.
“We had three new contracts starting within the same month, but the upfront staffing costs were putting pressure on cash flow. The funding gave us the headroom to take them on without slowing the business down.”
Managing Director
Recruitment agency, Manchester
£150,000 · Working capital
“We needed to replace two vehicles much sooner than expected. Rather than taking the cash out of the business, we were able to finance them and keep our reserves intact.”
Director
Logistics company, Birmingham
£85,000 · Asset finance
“A property came onto the market that was exactly what we had been looking for, but we needed to move quickly. The bridging facility meant we could complete without waiting for another property to sell.”
Property investor
London
£475,000 · Bridging loan
Why work with a broker
More than a rate. A facility that fits the business.
A lender assesses a case against its own products and criteria. A commercial finance broker can consider different funding structures and discuss which may suit the business's cash-flow cycle, assets and plans.
We discuss the full picture: repayment schedule, arrangement fees, personal guarantees and any security, alongside the amount available. All offers remain subject to the lender's assessment and approval.
See how we workReady 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.
Registered office
B2B Loans UK is a trading name of Lead Supplier Limited.
4 - 6 Greatorex Street
London, E1 5NF
Our role
We act as an introducer and intermediary. We do not lend money or make credit decisions, and we may receive a commission or referral fee from the broker, lender or provider you are introduced to.
Data protection
ICO registration number ZC253465