Flexible Business Loans -
Borrow £5,000 to £2,000,000
with 24-Hour Funding
SECURE YOUR FUTURE
Tailored Business Loans & Asset Finance
Attractive Rates & Customisable Terms
Funding from £5,000 to £2 Million
All Business Sectors Welcome
Years Experience
Happy Customers
Borrowed
Team Members
UK Quick & Easy Business Loans
Are you a business owner looking for the right loan to fuel your business growth? Here at V4B we are one of the leading business loan providers in the UK, and can offer you a range of business finance options tailored to meet the diverse needs of UK businesses.
Whether you’re a new business, an established limited company, or just looking to expand, we have the perfect financing solution for you.
What is a Business Loan?
Here are just a few examples of what a Business Loan can do for you and your business:
-
Expand Your Operations
Use the funds to open new locations, add more space to your existing premises, or enter new markets. -
Purchase Equipment
Invest in the latest machinery, technology, or tools to improve your efficiency and productivity. -
Increase Inventory
Stock up on inventory to meet growing customer demand and avoid shortages. -
Boost Working Capital
Maintain a healthy cash flow to cover daily expenses, payroll, and unexpected costs. -
Marketing and Advertising
Launch marketing campaigns to attract new customers and grow your brand presence. -
Renovate Your Business Space
Upgrade and modernise your facilities to create a better environment for your customers and employees.
Check Your Options
Fill out our quick form. If you’ve traded for 2+ years with £250,000+ turnover, we can help
Speak To Our Team
Our team will contact you to understand your needs and tailor a lending solution for your business.
Start Funding Process
Once your application is approved, our team will finalise and send your loan agreement for signing.
Complete Funding
Once we receive the signed agreement, funds can often be paid out within 24 hours.
Common questions about business loans
How do Business Loans Differ From Personal Loans?
Business loans and personal loans differ primarily in their purpose, eligibility criteria, and loan terms.
For instance, Business loans, or business funding, are designed specifically for business-related expenses, such as expanding operations, purchasing equipment, or managing cash flow. Consequently, this type of loan often requires a detailed business plan and financial statements.
Personal loans, on the other hand, are intended for individual needs, like home renovations or debt consolidation, and typically rely on the borrower’s personal credit history and credit rating.
Additionally, business loans may offer larger loan amounts and longer repayment terms than personal loans, reflecting the scale and nature of your business financing needs, for instance.
What is the Difference Between a Variable and Fixed Rate Business Loan?
Variable-rate business loans have interest rates that fluctuate with market conditions — such as when the Bank of England decides to increase or decrease the base rate — leading to potential changes in monthly payments.
Fixed-rate business loans, on the other hand, maintain a consistent interest rate throughout the loan term, providing predictable monthly payments.
Consequently, Fixed rates offer you stability, while variable rates can benefit you from lower interest periods but come with the risk of rate increases.
Why Choose Our Business Funding Options?
Here at V4B, we have been in operation for a long time, so there are a lot of reasons to choose us as your company financing provider, such as for instance:
Flexible Repayment Terms
We offer a range of repayment terms to suit your business needs, from short-term to long-term loans. Our fixed interest rate ensures predictable monthly repayments.
Easy Application Process
Our straightforward application process is designed to get you the funds you need quickly. Simply fill out our online form, and we’ll guide you through the rest.
Competitive Rates
With rates that reflect your credit history and business performance, you can be confident you’re getting a fair deal. Use our business loan calculator to estimate your monthly payments and the total amount repayable.
Support for All Business Types
Whether you are a limited company, a sole trader, a Limited Liability Partnership, or someone looking for a startup loan for a new business idea, we have loan options that fit your business structure and needs.
Our Business Loan Options
What types of business loan options are available to you and your organisation, whether you are looking for a small business loan or a large corporation loan?
Business Loans
Get additional working capital to help grow your business with a tailored business loan.
VAT Funding
Do you want to spread your VAT bills over the year to improve cash flow? We can help.
Acquisition Funding
If you are considering acquiring another business, we can offer financing.
Corporation Tax Loans
Need to fund a corporation tax bill? We offer bespoke funding tailored to your business.
Professional Indemnity Insurance
We can help you finance your insurance to keep your business protected.
What is a Business Loan?
Our Flexible Business Loan Options Explored
What types of business loan options are available to you and your organisation, whether you are looking for a small business loan or a large corporation loan?
Business Loan
Our standard business loan provides flexible financing for your various business needs. With competitive rates, both short and long-term, you can get the working capital and loan amount you need to grow your business from us.
Growth Guarantee Scheme Financing
Startup Business Loans
Are you starting a new business?
If so we know that the early stages of a business tend to mean that your starting capital can be a bit light as invoices are coming in, and you may need some quick capital to grow quickly. Consequently, our Start-up loan helps you get your business off the ground; with a clear business plan and a strong credit check, you can secure the funding you need to succeed.
Small Business Loan
Our small business loan, tailored specifically for small businesses, offers competitive rates and flexible terms to help you manage your business finances effectively.
Invoice Finance
Asset Finance
Do you need new equipment or vehicles? Our asset finance solutions allow you to spread the cost of new purchases over time, easing your business’s financial burden.
Secured Business Loans and Unsecured Business Loans
You can choose between secured loans, which use your business assets, such as real estate your business owns, as collateral, and unsecured business loans, which don’t require collateral but may have higher interest rates.
How do Business Loans Differ From Personal Loans?
Business loans and personal loans differ primarily in their purpose, eligibility criteria, and loan terms.
For instance, Business loans, or business funding, are designed specifically for business-related expenses, such as expanding operations, purchasing equipment, or managing cash flow. Consequently, this type of loan often requires a detailed business plan and financial statements.
Personal loans, on the other hand, are intended for individual needs, like home renovations or debt consolidation, and typically rely on the borrower’s personal credit history and credit rating.
Additionally, business loans may offer larger loan amounts and longer repayment terms than personal loans, reflecting the scale and nature of your business financing needs, for instance.
What is the Difference Between a Variable and Fixed Rate Business Loan?
Variable-rate business loans have interest rates that fluctuate with market conditions — such as when the Bank of England decides to increase or decrease the base rate — leading to potential changes in monthly payments.
Fixed-rate business loans, on the other hand, maintain a consistent interest rate throughout the loan term, providing predictable monthly payments.
Consequently, Fixed rates offer you stability, while variable rates can benefit you from lower interest periods but come with the risk of rate increases.
Why Choose Our Business Funding Options?
Here at V4B, we have been in operation for a long time, so there are a lot of reasons to choose us as your company financing provider, such as for instance:
Flexible Repayment Terms
We offer a range of repayment terms to suit your business needs, from short-term to long-term loans. Our fixed interest rate ensures predictable monthly repayments.
Easy Application Process
Competitive Rates
Support for All Business Types
Other Reasons To Trust Us
- Over 30 years of operation
- Established in 1991
- Thousands of customer success stories
- A wide range of options is available
- Borrow from £10,000 to £2,000,000+
- Fast Decisions
How to Apply
Check Eligibility & Consider Your Affordability
Firstly, you should ensure you meet our eligibility criteria. For example, are you a business customer who ideally uses business banking?
At this stage, you should also consider how much money you would like to borrow, your ideal repayment schedule, and the types of loan you are interested in — if you know, our team will be more than happy to talk you through the options if you are unsure — along with what business or personal assets to the company you will be putting up as collateral if you are going for secured funding, for instance.
Get in Touch
Complete our online application form, and at this stage one of our team will then contact you back.
Prepare Documents
Next, you want to gather your business plan, financial statements, cash flow forecast, and trading history information to ensure the next step goes smoothly.
Credit Check
At this stage, we will then perform a credit assessment and review your business credit score to determine which or our main lenders, or alternative lenders, we can secure the lower interest rate funding for you from.
Please note: Your Annual Percentage Rate can be higher if your company has bad credit, and the credit facilities that are available to you may be less, unfortunately.
We will also explain how to compare fixed-rate loans and variable-rate business loans that are available to you and your company.
Loan Agreement
Receive Funds
Get your funds sent straight to your business bank account, and start using them for your business purposes.
APR Representative Example
For a business loan of £50,000 over five years with an annual interest rate of 7% (fixed), the total amount repayable would be £59,567, and your monthly repayments would be £993. In this example, the representative APR is 7.2%.
Contact Us
Contact us today to discuss your funding options as our team of experts is here to help you find the right loan for your business needs.
Who Is V4B Business Finance?
Here at V4B Business Finance, we are part of the V4B group, and specialise in providing you with comprehensive corporate funding solutions to UK businesses.
Consequently, this means that we can offer you a wide range of financial products including business loans, equipment finance, VAT funding, short-term loans, and many more business finance solutions.
With over 30 years of experience, V4B Business Finance LTD is a credit broker and not a lender, and we are authorised and regulated by the Financial Conduct Authority (FCA) and the ICO in England & Wales.
Consequently, we pride ourselves on delivering your company-tailored financial solutions that support your business growth and development.