Access Affordable Business Loans to Help Make Your Dreams a Reality

We're the UK's freshest alternative lending platform. We provide uncomplicated access to flexible small business loans to meet your business needs.

We Take the Hassle Out of Getting an Affordable Business Loan in The UK.

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

We work with a trusted panel of lenders to help your business get the business loans it needs quickly and easily.

Flexible borrowing for businesses

Tailored quote just for you

Borrow from £1000 upwards

Types of business loan available

Unsecured business loans

Flexible unsecured business loans for companies with good credit scores. Get fast access to finance.

Flexible loan durations

Fast application process

Quick decision business loans

To get an unsecured business loan we need to have a quick chat that should take no more than 10 minutes.

Subject to all required info being received, we can often get you a same day decision on your business loan.

secured business loans

For use when your business needs to access much larger sums or for when shorter loan terms are required.

Payment terms up to 20 years

Variable and fixed rate loans

Some of the best business loans

If you would like to discuss a new business loan, please call us on 03330 16 9002

Alternatively, if you would like to discuss your funding options you can request a call back at a time and date convenient to you Simply click the button below.

Our Business Funding Options

Small Business Loans UK_Hamilton_Wood_and_Company_London_Manchester
Fixed and variable rates

Depending on the needs of your business, choose from either fixed or variable rates.

Short Term Business Loans London, Manchester, Birmingham - Picture of Gold Piggy Bank - Hamilton Wood and Company
Flexible terms available

Choose from a range of repayment terms from a few months, up to 20 years.

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No early exit fees available*

Some of our loan products don't charge early exit fees should you repay early.

Apply for business funding...

Faq.

Does my business have to be in the uk?

To apply for a business loan with Hamilton Wood and Company, yes, your business needs to be in the UK.

Do I need to be the owner of a business to get a loan?

Yes, you can only apply for a loan with us if you are a Limited Company or a Plc.  We d not offer loans to sole-traders or individuals.

MY CREDIT SCORE ISN'T THE BEST CAN YOU HELP?

Let's be realistic, if you have a terrible credit score your options could be limited however, there are options. If you have any business assets to secure your loan against then doors may be open. We do not want to see people in difficulty so please make sure that you're not seeking funding if it will only make your situation more precarious in the near future. Whilst we can help, and we try and guide you to number of loan options you may be interested to read the FAQ below 'How can I get the cheapest business loan possible?'

I NEED MONEY FAST, SHOULD I LOOK AT SHORT TERM FINANCE?

This will depend on the needs of your business and your cash-flow projections. If you know where you are up to with your figures and what payments are on the horizon, then yes, short-term funding could be an option. Typically short-term funding carries higher APR's which as you may be aware is an indicator of the total cost of borrowing. Depending on what amount you need and how quickly you need it, call one of our specialists at Hamilton Wood & Company and we will be happy to help you get the funding that's right for you.

HOW CAN I GET THE CHEAPEST BUSINESS LOAN POSSIBLE?

We get asked this question a lot. It's almost the famous 'how long is a piece of string question' rehashed. There are many variables that effect your ability to access low-cost business funding. Firstly, if you have recent County Court Judgements (CCJ's) levied against you within the last 6 years this will seriously impact your ability to access some of the better/more affordable APR loan products. 

If you have missed payments on credit cards, utility bills or insurance services then this too can affect your ability to access the better loan deals. Its worth trying to settle any outstanding CCJ's and catching up on any missed payments for the services provided to you in good faith. Let's face it, if your friend had a history of never paying you back for that last meal, would you lend them a substantial amount of money after this if they asked you? 

The same logic applies here. The majority of lending providers now use all sorts of metrics to assess your creditworthiness before finalizing any loan decision. Your job is to make the prospect of lending to you as positive as possible by showing you are low-risk and will pay the loan back. If you continue to do this on a regular basis you will show you are responsible with credit and so, the doors to lower cost and larger loans may begin to open for you.

WHAT IS THE DIFFERENCE BETWEEN SECURED AND UNSECURED BUSINESS LOANS?

With a secured loan, you borrow against an asset that is typically referred to as 'collateral.' This can be plant and machinery, commercial property, vehicles etc. In the unlikely event you aren't able to meet your loan repayments, the loan provider can repossess the asset. Although some business owners try and avoid secured loans, it's worth bearing in mind that more often than not, secured loans offer much more affordable APR's which makes the cost of borrowing much more affordable in most cases. 

With unsecured small business loans, the loan is not secured against the value of an asset. We provide access to both secured, and unsecured small business loans.

We provide Business services throughout the UK

Aberdeen
Armagh
Bangor
Bath
Belfast
Birmingham
Bradford
Brighton & Hove
Bristol
Cambridge
Canterbury
Cardiff
Carlisle
Chelmsford
Chester
Chichester
Coventry
Derby
Derry
Dundee
Durham
Edinburgh
Ely
Exeter
Glasgow
Gloucester
Hereford
Inverness
Kingston upon Hull
Lancaster
Leeds
Leicester
Lichfield
Lincoln
Lisburn
Liverpool
London
Manchester
Newcastle upon Tyne
Newport
Newry
Norwich
Nottingham
Oxford
Perth

Peterborough
Plymouth
Portsmouth
Preston
Ripon
St Albans
St Asaph
St Davids
Salford
Salisbury

Sheffield
Southampton

Sheffield
Southampton
Stirling
Stoke-on-Trent
Sunderland
Swansea
Truro
Wakefield
Wells
Westminster
Winchester
Wolverhampton
Worcester
York