★★★★★
Helpful and thorough
"Thomas helped me with my adventure of buying my first business. He was very thorough in explaining things in a way I could understand."
James R.Business loan · Apr 2026
Need a Business Loan?
Get funds in 24 hours
We help over 50,000 companies get loans each year. We're the UK's No. 1 Direct Business Lender, so there are no broker fees for you to pay.
£350KloanHospitality · Brighton · May 2026
£50Kstartup loanManufacturing · Leeds · May 2026
£85KloanRetail · Newcastle · May 2026
What we do
Loans designed around your business.
As a direct lender we approve and fund loans in-house - no brokers, no chain, no shopping your application around. One application, a decision in hours, money in 24 hours.
Business loans
£8,000 – £10M · Fixed monthly paymentsFor limited companies - working capital, expansion, cashflow, or covering a VAT bill. Decision in 4 hours, funded in 24.
Learn more about business loansStart-up loans
£8,000 – £10M · To help you start a businessSpecialist team for new and start up companies - start-up capital, cashflow, equipment, first hires.
Learn more about start-up loansHow it works
Four simple steps to get your business loan.
A dedicated UK account manager handles your case end-to-end. Open seven days a week - most loans drawdown within 24 hours.
1 Apply
Quick eligibility check
Fill in seven fields online. No live credit checks, no documents at this stage.
30 seconds
2 Talk
Speak to your manager
A named UK adviser calls you back the same day to talk through your loan.
Same day
3 Decide
Underwriting decision
Our in-house team reviews suitability and affordability. We approve, decline or come back with questions in hours.
Hours, not weeks
4 Funded
Funds in your account
Sign your documents and we'll send the funds across. Most loans drawdown within 24 hours.
Within 24 hours
Direct LenderDirect lending.
Direct lending.
Direct answers.
We don't pass your application around. We approve, fund and service every loan in-house - and our team has been helping businesses for 28 years.
About Nationwide Finance →50K
UK businesses helped each year
£3.4B
Loans approved for British businesses
24hrs
From application to loan received
4.9/5
Trustpilot · 3,119 reviews
Customer reviews
Rated excellent on Trustpilot.
★★★★★
Patient and knowledgeable
"Sarah was fantastic through the whole process of getting a loan for our first business. Patient, knowledgeable and advised us properly throughout."
Emma K.Start-up loan · Bristol
★★★★★
Straightforward, start to finish
"My experience was exceptional. Very straightforward from the start of my application till the end when I received my business funding."
David S.Business loan · Leeds
FAQ
Common questions.
Can't find what you need? Talk to our team - we're open seven days a week.
Talk to a manager →How quickly can I have the money?+
Most approved loans draw down within 24 hours of you signing.
Are there any broker fees?+
None. We're the direct lender - there's no broker in the chain when you come to us directly. Costs are written out clearly on every offer alongside the rate.
Who can apply?+
Any UK limited company, including new start-ups. We have a specialist team for businesses under 12 months trading. If you haven't incorporated yet, we can guide you through setting up.
Can I settle the loan early?+
Yes - any time, with no early-settlement penalty. You actually receive a discount for settling early.
Ready when you are
Check eligibility in 30 seconds.
No obligation. Your dedicated UK account manager will call back the same working day.