Surprisingly easy
business funding

Apply in 60 seconds, decision in an hour, funds in as little as 4 hours
£1,000 to £1 million.

Just looking?

Checking your options won't affect your credit score. Look around with total peace of mind.

How it works →
Soft search only
Your credit score
Unchanged
No impact from checking your options

Start your enquiry

Takes under 60 seconds. There's no impact on your credit score, just a few easy-to-answer questions.

60 second enquiry
See what you qualify for
£25,000
£1k
£1m
Growth
Equipment
VAT bill
Cashflow
Stock & hiring
See my options
Matching you with options…
Good news - businesses like yours can get moving fast.
For your £25,000 enquiry for growth, here's the journey:
1
60 seconds
Apply
A few easy questions — no paperwork.
2
1 hour
Decision
Know exactly what's on the table.
3
4 hours
Funding
Put it to work straight away.
Start my enquiry
Indicative only — final terms subject to eligibility.
Start over

Rated excellent

4.9/5 on Trustpilot from UK businesses. £500m+ lent and counting.

Read reviews →

Funding that moves with your business

Whatever your business needs, we've got your back. One quick application covers all bases.

From 0 to funded in just 3 steps

Start to finish in as little as 4 hours. No paperwork to begin, no commitment.

01
Apply
60 seconds
Just a few easy questions - no mountains of paperwork.
02
Decision
1 hour
Know exactly what's on the table, fast.
03
Funding
4 hours
Put it to work straight away.

Funded today vs weeks of waiting

It's a no-brainer. Just one 60-second application followed by a same-day decision and you'll know exactly where you stand. Business moves fast, your funding should be faster.

Time to a decision
Credit check
Rates
Support
As little as 1 hour
Soft search first
See rates before you commit
Dedicated, start to finish
Banks
Weeks, sometimes months
Hard checks from the start
Apply before you know terms
Call centres
Time to a decision
As little as 1 hour
Credit check
Soft search first
Rates
See rates before you commit
Support
Dedicated, start to finish
Banks
Time to a decision
As little as 1 hour
Credit check
Soft search first
Rates
See rates before you commit
Support
Dedicated, start to finish
Why choose Lovey

Clear terms. Safe checks. Real people.

Fully transparent

There are no upfront fees and no nasty surprises hiding in the small print.

No dent in your credit score

Check your eligibility with one soft credit check. Nothing hard until you choose to proceed.

A human in your corner

A dedicated account manager from first enquiry to funds in your account.

Real businesses.
Real results.

4.9 on Trustpilot · UK businesses

"Lovey's support helped us take our business to the next level. Highly recommend."

Posh Designs

Birmingham

"It made a huge difference to be able to get the decision quickly, get the money quickly, and move on with running my business."

Sushi Revolution

Brixton

"We found it a quicker and a more straightforward option to your traditional business loan."

London Sneaker School

London

"The process was smooth and easy; they were helpful in answering questions, and there was a quick turnaround from the application to receiving the funds."

Amber Hue

London

"I found the overall process really quick and easy. I was kept updated throughout and the funding that I was offered was really flexible and competitive."

Lucy & Lola

Cambridge

"With the help of Lovey, I've been able to invest in growing my existing business and bringing in our own luxury bespoke occasion wear label."

The White Room

Minchinhampton

FAQ

Your questions answered

How is Lovey different from a bank?

A bank can only offer its own products, so you're limited to whatever they have on the shelf. Lovey takes a different approach - every application genuinely searches for the best outcome for your business, rather than fitting you into one set of products. That means more flexibility, more options, and a result built around what actually works for you.

Will checking my business funding options affect my credit score?

No. When you enquire through Lovey, we run a soft credit search only -  it won't appear on your credit file or affect your score in any way. A full credit check only takes place if you choose to proceed with a formal application, and we'll let you know before that happens.

How quickly can I get business funding?

In some cases, the same day. Businesses can receive a decision within one hour of submitting their enquiry, and funding can be in your account in as little as four hours. The exact timeline depends on the funder and the type of funding. Your Lovey account manager will give you a realistic picture before you commit.

Can I get business funding with bad credit?

Possibly - it depends on your broader business profile. While some funders do require a minimum credit score, others assess eligibility based on trading history, revenue, and cash flow instead. Lovey searches to find options that match your circumstances, including funders who consider applications with adverse credit.

Can I repay my business loan early? 

Yes, in most cases. Many of the funding options available through Lovey allow early or partial repayment, and some carry no early repayment charges at all. Terms vary by lender, so your account manager will walk you through the specifics before you sign anything.

See what you qualify for

Get your personalised options in 60 seconds, with no impact on your credit score.

Get your quote