£1k–£750k funded in as little as 4 hours

Check your options in 60 seconds with no credit score impact. Up to £750K available with flexible terms from 3 months to 6 years. Funded in as little as 4 hours for when timing matters.

  • Funded in as little as 4 hours
  • Flexible terms: 3 months to 6 years
  • Unsecured - no collateral required
  • No credit score impact to check
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Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.
Their ability to deal with finance in such a quick and easy way made our growth possible.
Roozbeh
Posh Designs, Birmingham
In a world of overcomplicated business finance, Lovey kept it simple and effective.
Elsewhere
London
Thanks to Lovey, we've been able to grow our customer base and book more events.
Leoni
Amber Hue
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Soft search only - your credit score stays untouched
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Say hey to Lovey, formerly Love Finance. Same team, same service, same support—just a new name.
Let us do the work

Short-term unsecured loans

Business loans are all we do — which means you get faster decisions, dedicated support, and funding that’s built around your business needs.

Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.
  • Enquiry won't impact credit
  • Quick and easy application process
  • Unsecured business finance up to £750k
  • Specialists in unsecured business loans
Our Process

Get a business loan in 3 easy steps

Enquire online in 60 secs

Just tell us the basics about your business — it’s quick, easy, and only takes a minute. An enquiry won't affect your credit score.

Review your offers

With access to 50+ funders, as well as our own book, we compare every option and present you with the best offer for your business.

Approved & funded in 4 hrs

Once approved, and with your documents ready, we can send the money in just a few hours.

Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.

Get a quick quote

Select a length and amount for your loan to get an instant estimate

Loan amount
Monthly payment
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Takes 60 secs. No commitment. Zero drama.

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.

Love your finances again

Types of business loans we offer

Working capital loans

Our working capital loans helps you manage day-to-day costs, handle seasonal challenges, or cover unexpected expenses — so your business keeps running smoothly.

Unsecured business loans

Secure the loan you need without using assets as security. Our unsecured business loans are based on your business performance, offering flexible, fast finance with peace of mind.

Short-term business loans

Need a quick solution for an urgent opportunity or expense? Our short term business loan provides fast access to funds with flexible repayments — ideal for short-term needs without long-term commitments.

VAT business loans

Free up your cash flow during tax season with VAT business loans. Spread your VAT bill over 3 monthly payments and stay focused on running your business.

This is how we can help

What can I use my unsecured business loan for?

Borrow up to £750,000 with flexible business loans built for your success. Whether you need short-term business loan or a longer-term facility, we’re here to help at every stage.

Working Capital

Cover supplier bills, taxes, and operating costs with business finance that smooths out seasonal dips or late payments.

Business Expansion

Use our business loans to hire staff, boost marketing, or expand your premises — whatever your growth plans demand.

Upgrade Equipment

Invest in new machinery, software, or team training to improve productivity and long-term performance.

Purchase Inventory

Get the short-term business loan you need to secure inventory and supplies — so you never miss an opportunity.

Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.

Why Lovey?

We’ve helped thousands of businesses grow, and the proof is in the numbers below. Simple, honest, and a little less boring than the usual finance stuff.

4.9/5

Rated on Trustpilot

£400m +

Lent to businesses like yours

#1

Rated SME lender*

8000 +

Businesses funded

*Based on Trustpilot's Best in Non-bank financial service.

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Takes 60 secs. No commitment. Zero drama.
FAQ

Your Questions Answered

Will applying for a business loan affect my credit score?

Completing an enquiry to explore your options will not affect your credit score. Think of it as a gentle nudge, not a knockout punch. We do a soft credit check first—no impact there. If you decide to take the plunge, a hard check will be done, which might give your score a minor nudge. But don’t worry, it's all part of the game, and we'll help you keep things on track!

Can I repay early?

Absolutely, you can repay early! There are no early repayment fees, so if you find yourself with extra cash, go ahead and knock that loan out sooner. You can pay off chunks whenever you like—you don’t have to clear the whole balance at once. Your term stays the same, but your monthly payments will get a little lighter. It’s a win-win—you save on interest, and we get to celebrate your financial success with you.


How are you different from a bank?

Oh, let us count the ways! Where banks are looking for reasons to say "no", we're looking for reasons to say "yes". We're fast, flexible, and fun (yes, finance can be fun!) No stuffy bank vibes here; we combine top-notch tech with a customer-first approach to make your experience smooth and steady.

Will applying for a business loan affect my credit score?

In a hurry? No worries! Our application process is faster than you can say “business loan.” Okay, maybe not that fast, but we do aim to get you sorted in under 24 hours. Think of it as the financial equivalent of express delivery—without the extra shipping fee.

Will applying for a business loan affect my credit score?

Our customers are as diverse as they come, using their loans for everything from buying new stock and upgrading tech to expanding their empires. Whether you’re aiming to outshine the competition or just need to keep the lights on, we’ve got you covered. So go ahead, dream big—we love a good success story!

Will applying for a business loan affect my credit score?

We’ve got your back. If you need a bit more cash, let us know at any point. We’re here to help you navigate your financial journey, whether you need a top-up or a brand-new loan.

How to apply for a business loan with Lovey

1. Apply online in 5 mins

2 minute enquiry. 7 Questions. Instant decision. Just like that. Just click “Get offer” to start your application.

2. Approved & funded in 24 hrs

One small request, please? If you could prepare your paperwork, we'll all be in the best position to get you funded ASAP!

3. Borrow from 3 mo to 6 yrs

Terms work case-by-case, and we'll do our best to find you the loan that fits you like your favourite comfy tee.

Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.

You are 5 minutes away from making it happen

  • Credit score not affected
  • Quick and easy application process
  • Unsecured loans up to £750,000
Get a free quote
Soft search only - your credit score stays untouched
Takes 60 secs. No commitment. Zero drama.