Turn Your Idea Into a Business
Dedicated start-up loans from £10,000 to £500,000. Fast decisions, flexible repayments, and a team that actually understands what it takes to launch something from nothing.
Representative example. Rate: 5.9% p.a. Subject to status.
Funding for Every Stage of Growth
Whether you’re still building your prototype or already generating revenue, we have a start-up finance product built around where you are right now.
Designed for founders who are pre-revenue or in their first year. No trading history required. Ideal for product development, early hiring, and marketing launch.
- ✓£10,000 – £75,000 available
- ✓No trading history required
- ✓1–5 year repayment terms
- ✓Business plan support provided
For businesses 6–36 months old looking to accelerate. Fund your next hire, expand to a new city, or invest in product development with flexible drawdown.
- ✓£50,000 – £250,000 available
- ✓6 months trading required
- ✓Flexible drawdown facility
- ✓Revenue-based repayment option
For established start-ups ready to go big. Larger facilities for ambitious expansion — new markets, acquisitions, team growth, or technology investment.
- ✓£150,000 – £500,000 available
- ✓12+ months trading required
- ✓Multi-tranche drawdown
- ✓Dedicated relationship manager
Funded in 4 Simple Steps
We’ve cut the red tape. Our process is built around founders who move fast — because the best opportunities don’t wait.
Apply Online
Complete our 10-minute online application. Tell us about your business, your vision, and how much you need. No lengthy paperwork upfront.
Meet Your Adviser
A dedicated start-up finance specialist reviews your application and calls you within 4 hours to discuss your funding options and structure.
Decision in 48hrs
Our underwriting team makes a credit decision within 48 hours of your full application. We keep you updated at every single step.
Funds Released
Once approved and agreements are signed, funds land in your business account within 3–5 working days. Time to build.
We Back Founders Across Every Industry
From deep tech to food & beverage — if you have a viable business plan and the drive to execute, we want to back you.
Software, AI, platforms, and developer tools
High DemandOnline stores, DTC brands, and marketplaces
Fast DecisionsRestaurants, food brands, and catering
Specialist TermsClinics, digital health, and fitness
High DemandSustainability, renewables, and circular economy
Priority FundingContractors, developers, and specialist trades
Fast DecisionsTraining providers, apps, and learning platforms
Specialist TermsAgencies, studios, and content businesses
Flexible TermsRepresentative example only. Rates subject to credit assessment. Not financial advice. For illustrative purposes.
Giving Up Equity
Unlike venture capital, debt financing means you keep 100% ownership of your business. Our start-up loans give you the capital you need — without diluting what you’ve built.
Built for Founders,
by People Who Get It
We’ve helped over 3,500 UK founders get off the ground. Our advisers understand the pressure of building something from scratch — and they back you accordingly.
- ✓Pre-revenue founders considered — no trading history required for Starter loans
- ✓No early repayment penalties — pay off early if your business takes off
- ✓Revenue-based repayment available — repayments flex with your cash flow
- ✓Free business plan review and mentorship session with every application
- ✓Whole-of-market access — over 40 start-up and SME lenders on our panel
- ✓FCA regulated with full consumer protection and transparent pricing
UK Start-Up Landscape — 2025
Intelligence to help you make a confident funding decision. Understand the environment you’re entering and the success rates of businesses like yours.
Do You Qualify?
Our eligibility criteria are designed to be inclusive. We understand start-ups don’t always have years of trading history — and we’ve built our products accordingly.
Our headline eligibility requirements. Full assessment is always personalised — these figures give you an indication before you apply.
Trusted by UK Founders
Real stories from entrepreneurs who turned their vision into a funded, trading business.
“I was turned down by two high-street banks. These guys approved £65,000 within 48 hours. That money funded our first product run. We turned over £2.1M in year two.”
“The Growth Finance facility gave us the flexibility to hire our dev team without worrying about monthly cash flow. The revenue-based repayment was a game-changer.”
“The adviser helped us write our business plan, found the right lender, and got us funded in 6 days. We’ve since come back for Scale-Up capital. Couldn’t recommend more highly.”
Start-Up Finance FAQs
Answers to the questions every founder asks before applying.
Our start-up specialists are available Monday–Friday, 8am–7pm. Free, no-obligation consultation. No impact on your credit score.
Stop Waiting.
Start Building.
Apply in 10 minutes. Decision in 48 hours. Funds in your account within 5 days. Your idea deserves proper backing.