Love Finance is now named Lovey  ✦  same team, same great service

Suprisingly easy
business funding

Funding from £1k to £1 million with flexible criteria and fast decisions.

Start my enquiry
£500m+
lent to UK businesses
11000+
businesses funded
4.9/5
rated on Trustpilot
What we offer

What do you need funding for?

Flexible criteria and a simple process - built for businesses that can't afford to wait.

Not sure?

Tell us what you need and your account manager will point you in the right direction.

Compare all options
Why choose Lovey

Award-winning UK business finance

We look for reasons to say yes. With a team that's genuinely in your corner - from your first enquiry to funds in your account.

This means one simple application to access the right and most competitive business funding option on the market for your business needs. With a dedicated account manager guiding you every step of the way and an ‘excellent’ Trustpilot rating, you’re in great hands. 

Borrow from £1k up to £1 million from a simple 60-second enquiry.

  • Access the whole UK market of business funding, with one application.
  • Compare the whole market for business loans without affecting your credit score - one soft credit check.
Meet the team
Recognised across UK business
why uk smes choose lovey

See how we compare

How we stack up against banks and traditional brokers.

Banks

The traditional route

Apply before you know the terms
One lender, one set of products
Hard credit checks from the start
Take months or weeks for decision
Rigid eligibility criteria

Traditional brokers

Search only, no lending

No direct lending facility
Restricted product range
No control over lending decisions
Dependent on third-party timelines
Fixed criteria, limited options
LOVEY

One application, every option

See rates before you commit
One application, multiple funding options
Soft search first — no credit impact
Decision in minutes
Flexible criteria, we look for a reason to say yes
how it works

Start to finish in as little as 4 hours

Tell us about your business. A few straightforward questions to get started - no paperwork at this stage, no commitment.
Step 01
60 seconds
Apply
Just a few easy questions - no mountains of paperwork.
Step 02
1 hour
Decision
Know exactly what's on the table, fast.
Step 03
4 hours
Funding
Put it to work straight away.
Your funding timeline
60 seconds
Apply
Just a few easy questions — no mountains of paperwork.
1 hour
Decision
Know exactly what's on the table, fast.
4 hours
Funding
Put it to work straight away.
Repayment calculator

What could your repayments look like?

Adjust the amount and term to get an instant estimate. No personal details needed.

How much do you need?
£25,000
Over how long?
24 months

Indicative rates for this term start from 6.9%, based on our panel of lenders. Final rates are subject to individual lender approval and borrower eligibility. You may be offered different terms. Based on average rate of our lowest risk businesses, and current fees, which may be subject to change.

PER MONTH
£0
over 24 months
Amount borrowed
Cost of finance
Representative APR
From 6.9%
Get a free quote
Customer stories

Real businesses. Real results.

11,000+ UK businesses have trusted Lovey to find them the right funding. Here's what a few of them had to say.

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

Lovey gave us opportunities we never expected. We’ve increased our exposure and future potential to grow.

London Sneaker School
London
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 a free quote