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🏢 Business lending

Small Business Loans
Up to £25M

Fast, flexible funding to grow your business — whether you need working capital, new equipment, inventory, or want to consolidate existing debt.

Checking your rate won't affect your credit score

Find a Business Loan

Tell us about your business and what the money is for

🔒 Soft credit search only — no impact on your score

Decision in 24 hours
🔒
No credit impact to check rate
FCA regulated broker
🤝
Dedicated business adviser
📈
80+ lenders searched

Funding that grows with your business

We understand how important access to capital is for a small business. Our panel of 80+ specialist lenders gives you access to a wide range of business loan products — matched to your specific situation, sector, and goals.

Whether you're a sole trader, a partnership, or a limited company — we search the whole market to find the right facility at the most competitive rate.

  • Borrow between £50,000 and £25M
  • Fixed monthly payments — plan your cash flow with confidence
  • 1 to 5 year repayment terms available
  • No prepayment penalties on selected products
  • Dedicated business adviser to guide you through
  • Available to sole traders, partnerships & limited companies

🧮 Business Loan Calculator

Loan Amount£50,000
Term3 years
Rate (APR)6.5%
Monthly payment
£1,521
Total repayable
£54,756
Total interest
£4,756
Your rate
6.5% APR

Indicative only — your actual rate depends on credit profile & lender assessment

Simple process

How to get your business loan

1

Apply online in minutes

Tell us about your business, how much you need, and what the money is for. Takes under 5 minutes.

2

We search our lender panel

Your dedicated adviser searches 80+ specialist business lenders to find the best match for your situation.

3

Choose your loan offer

Review your options with clear rates and monthly payments. Select the offer that fits your cash flow best.

4

Funds in your account

Once approved, funds are deposited directly into your business bank account — often within 24 hours.

What we look for

Basic eligibility requirements

12 months or more in business — at least one full year of trading history

Minimum £50,000 annual turnover — sufficient revenue to service the loan

UK registered business — sole trader, partnership, or limited company

Own at least 20% of the business — significant owner or director

Aged 18 or over with a UK business bank account

Frequently asked

You can use a Vanguard Consulting Group business loan for almost any legitimate business purpose — working capital, purchasing equipment or stock, refurbishing premises, hiring staff, marketing campaigns, emergency repairs, or consolidating existing business debts.
For straightforward applications, a decision can be made within 24 hours and funds deposited the same day or next business day. More complex applications may take 3–5 business days.
Getting a quote uses a soft search only — no impact on your credit score. A hard search is only conducted when you formally proceed with a full application.
Many of our unsecured business loans require no physical security. However, some lenders may request a personal guarantee for larger amounts. Your adviser will clearly explain any requirements before you proceed.
Yes — most of our business loan products allow early partial or full repayment with no penalty. Any early repayment charges will always be disclosed clearly before you accept an offer.

What our business clients say

£2B+
Total business lending facilitated
18,000+
Businesses funded since inception
4.9★
Average Trustpilot rating from verified clients

Ready to fund your business?

Get a quote in minutes — no credit impact, no obligation. Your dedicated business adviser will be in touch within 24 hours.

Get a Quote Now → Talk to an Adviser