Apply for a Short-Term Small Business Loan Here, for When You Need a Little Financial Flexibility

We provide access to some of the UK's best short-term loan products.  Access the funding your business needs from a team that is committed to your ongoing business success.

we're on your side now and for the future

Multi-award-winners - Hamilton Wood and Company-01

Access Short-Term Business Loans with Fast Approvals

If you need a quick business loan, we're here to help you.  With our fast application and approval process we can get your company the commercial finance it needs in next to no time.

Whether it's for working capital or to help cover expansion costs, your business can get the money it needs quickly here.

What is a Short-Term Business Loan?

Short-term business loans are a type of finance available to businesses.  Loans can be from a few months to twelve, by which time the amount borrowed should have been repaid.

Loan durations can differ from funder to funder along with the available loan amounts.  Typically, you can borrow from £1000 to over £1million providing you have the necessary security in place for the loan to proceed.

The loan amount your business can borrow will depend on the points:

  • The reason you are taking out the loan
  • The status of your business's credit profile
  • Affordability and how likely you can repay the loan
  • The flexibility available from the funder
  • Same day decisions*
  • 10 min application process
  • Large choice of lenders
  • Low fee business loans
  • Award-winning service
  • Friendly team
  • We care about your business
access some of the uk's best business loans

Our goal is to help your business access the funds it needs to help your business evolve and grow.

We work with a panel of lenders trusted to provide uncomplicated access to leading commercial finance products. Regardless of what you need a business loan for, we can get your business a great del subject to status.

How to get a business loan in the UK

Give your business the best opportunity to secure a great deal on its next loan. Consider these points:

  • It's important to keep your business's credit profile as healthy as possible.  Make sure to pay all your outstanding invoices on time and file your annual accounts on time too.
  • Be careful to plan carefully in advance and make sure that you only borrow what your business actually needs.  Try and settle previous loans with higher APR's first.
  • Hamilton Wood and Company can only help registered businesses, so we unable to help sole traders or private individuals. It is important that your business's turnover is more than £2000 per month.
  • If you do have any previous missed payments or defaults, it is always a good idea to pay them first before trying to secure credit.  Missed payments 'spook' some lenders, so don't have any.
  • Transparency is good with lenders. If asked for information it is a good idea to provide it promptly. Failure to disclose required information may delay the time it takes to secure your loan.
  • Make sure you file your confirmation statement on time and keep all online (N.A.P.S = Name, Address, Phone, Site) information regularly updated on the web.

Faq.

Am i eligible for a short-term business loan?

Thankfully the lending criteria for short-term business loans isn't as strict as it is for longer term loans.

  • In most cases, your business will need a current account in place to be eligible.
  • Your business has to be turning over money regularly.  Most lenders look for a minimum of £5000 a month.
  • Your business will have to have been trading for over twelve months
  • If you're a sole-trader or individual sadly we can't help you.
  • Depending on the terms and conditions of the loan, you may need to secure against other business assets.

Are there any disadvantages with short-term loans?

There are some important things to weigh-up when considering short-term loans including:

  • Could you get the same money for a better rate by securing against company assets?
  • If you went for a slightly longer-termed loan could you get a better rate?
  • If your business is able to pay the balance off before the end of the agreement, will the lender charge you an exit fee for doing so?

What would your business do with the money?

With award-winning service, you'll be glad we're on your side.  Apply for a short-term business loan now.

Ready to apply or find out more?

Complete the form and one of our friendly team is ready to help you. 

We provide Business services throughout the UK

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