Business Loans
Get business loans up to £750k with interest rates starting from 6.9% from our lending panel with flexible repayment options.
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Business loans that are quick!
Enquire online in 60 seconds, complete your application in 2 minutes, get a decision in under an hour and funds in your account within 24 hours. Our business loans are built for businesses that need quick results and flexibility.
Ready to take your business further? Click below.
Interest rates from 6.9% from our lending panel- Quick and easy application process
- Unsecured business loans up to £750k
- Credit score not affected
- Flexible repayment options
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.
Types of business loans we offer
Working capital loans
Business loans to cover day-to-day operating costs, payroll, supplier bills and seasonal shortfalls. Whether you're covering operating costs, bridging seasonal gaps, or responding to unexpected expenses, we help keep your business moving forward.
Unsecured business loans
Business loans approved on business performance and cash flow, no asset security required. Our unsecured loans are based on your business performance, offering fast, flexible funding designed to support your growth with no assets required.
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Short-term business loans
Business loans for urgent needs or time-sensitive opportunities with quick drawdown and short repayment terms. Ideal for managing short-term needs without long-term commitments.
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VAT loans
Business loans that split your VAT bill into three manageable monthly payments to protect cash flow with no disruption to your day-to-day operations.
What can you do with your business loans
Use your business loans to solve immediate problems or fund growth with fast, simple and focused outcomes.
Working Capital
Manage operating expenses, tax payments, or supplier bills with confidence. No more cash flow interruptions holding you back.
Business Expansion
Hire staff, increase marketing spend, or open a new location. Use our commercial loans to take your next big step with confidence.
Upgrade Equipment
Invest in new machinery, software, or team training to improve productivity and long-term performance.
Purchase Inventory
Get fast access to funds for stock, materials, or urgent orders. So you’re always ready to deliver.
Real businesses. Real funding. Real growth.
See how UK business owners have used Lovey to access fast, flexible funding when they needed it most.
Your questions answered
How much can I borrow?
We offer small business loans in various amounts, whether you need just enough to buy a fancy coffee machine or enough to expand your empire. Let's talk specifics and find the right amount of money for you!
What kind of credit rating do I need?
Got stellar credit? Great! Not so perfect? No worries! We’ve got options for various credit ratings because we believe in second chances and great business ideas.
What are the monthly repayments like?
Think of your monthly repayments as your business’s gym membership - regular, manageable, and helping you grow stronger. We'll work with you to make sure they fit your budget.
Can I repay in a lump sum if I hit the jackpot?
Yep, you can! Some lenders offer a discount on future interest, others may still ask for the full interest amount - it depends. Either way, we’ll make sure everything’s clear before you decide.
What’s the total amount I’ll end up paying?
We keep it transparent. Your total amount will include the loan amount plus interest. No hidden fees or sneaky charges—just straightforward numbers.
What’s the deal with repayment schedules?
We offer flexible repayment schedules to suit your business’s cash flow. Weekly, monthly, bi-monthly—you name it, we’ll sort it. Because we know every business owner has unique needs.
What type of loans do you offer?
From working capital loans to equipment financing, a business credit card and even VAT loans, we’ve got a type of loan for every need. We offer short-term loans from 3 to 12 months, or long term up to 6 years. Just ask!
How do your interest rates work?
We generally offer a fixed interest rate, meaning no nasty surprises if the market changes. Your repayments stay the same, so you can plan your finances without any ”what ifs.” However, if you want to opt for a variable rate that changes alongside the market’s ups and downs, go for it!
How fast can I get my hands on the money?
Speed is our middle name! Apply today, and you could see the amount of money you need in your bank account in a matter of hours. Perfect for business owners on the go.
How to apply for a business loan with Lovey
Enquire online in 60 seconds
60 second enquiry. 6 Questions. Instant decision. Just like that. Click below to start your enquiry.
Approved & funded in 24 hours
One small request, please? If you could prepare your paperwork, we'll all be in the best position to get you funded ASAP!
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Borrow from 3 months to 6 years
Terms work case-by-case, and we'll do our best to find you the loan that fits you like your favourite comfy tee.
You are 5 minutes away from making it happen
Credit score not affected- Quick and easy application process
- Unsecured loans up to £750,000
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