Growing this year? Find out what your business could borrow — check your eligibility today. Check your eligibility →

Trusted by UK businesses for yearsFIBA – Financial Intermediary & Broker Association

Business loans · Asset finance · Invoice finance · Bridging loans

LOVE
CAPITALS.

Love Capitals helps UK small businesses find the right funding to hire, stock up, invest and expand. We search our panel of 163+ lenders, explain your options plainly and handle the application with you.

Check my eligibility Check how much you can get

Prefer to talk? Call 020 8097 9100

  • Free to check
  • No credit check to start
  • A dedicated funding adviser

Our lending partners

Some of the lenders on our panel

Lender names and logos are shown for information and belong to their owners. A full list of our panel is available on request.

The right funding for where you're heading. Not just the first offer.

Every business borrows for a different reason. We compare options across our lender panel and help you choose the one that fits.

Business loans

A lump sum to invest in growth, repaid in fixed monthly instalments.

  • Unsecured loans
  • Secured loans
  • Terms up to 10 years
  • Fixed or variable rates
Check loan options →

Government-backed lending

Lending supported by UK government schemes, for businesses that meet the criteria.

  • Partial government guarantee to the lender
  • Loans, overdrafts and asset finance
  • Eligibility checked before you apply
Check eligibility →

Invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days.

  • Invoice factoring
  • Invoice discounting
  • Selective (single) invoice finance
Free up cash flow →

Asset finance

Spread the cost of vehicles, machinery and equipment over their working life.

  • Hire purchase
  • Leasing
  • Refinancing assets you already own
Finance equipment →

Merchant cash advance

Funding repaid as a share of your card takings, so you pay more when trade is busy and less when it's quiet.

  • Built for card-taking businesses
  • No fixed monthly payment
  • Quick decisions
See if it suits you →

Bridging loans

Short-term finance secured on property, for when you need to move quickly.

  • Terms from 1 to 24 months
  • Auction and quick purchases
  • Refurbishment and chain breaks
Talk bridging →

Funding check · no credit search

Check how much you could get.

Built for established businesses turning over £500k to £2m. Answer four questions and see what each type of funding could offer you.

You could be able to borrow

–

Unsecured business loanFast decisions · 1–5 year terms–
Government-backed (GGS) loan70% guarantee to the lender · up to £2m–
Invoice finance or revolving creditIf you invoice other businesses–
Secured loan or bridgingAgainst property · up to 75% of its value–

No credit search. Checking won't affect your credit score.

Check my eligibility

How it works

  1. 01

    Tell us what you need

    How much, what it's for, and a few details about your business. No documents yet.

  2. 02

    We search our lender panel

    Your adviser shortlists the best-fit offers and explains rates, terms and fees plainly.

  3. 03

    You choose, we handle the rest

    Pick the offer that suits you. We manage the application through to funds in your account.

Insights

Business funding, in plain English.

Straightforward guides to the finance options UK businesses use most, written by our team.

All 10 guides →
Government-backedThe Growth Guarantee Scheme, explained in plain EnglishWhat the GGS is, who can use it, what it can pay for, and the small print that most business owners miss.6 min read →Business loansSecured vs unsecured business loans: which is right for you?The real differences in cost, speed and risk, and why "unsecured" rarely means "no strings attached".5 min read →Cash flowWaiting 60 days to get paid? How invoice finance worksFactoring, discounting and single-invoice finance compared, with what they cost and when they make sense.5 min read →Card-taking businessesMerchant cash advance: the honest pros and consHow repayments flex with your card takings, how the cost is worked out, and when an MCA is or isn't a good idea.5 min read →Asset financeHire purchase or leasing? Financing vans, machinery and equipmentSpread the cost of the kit your business runs on, and choose the agreement that suits how long you'll keep it.5 min read →Getting approvedWhat lenders actually look at when you applyThe five things that decide most business finance applications, and practical ways to strengthen each one.6 min read →

Funding guides

Learn about business funding from official sources.

Helpful guides from the British Business Bank and the UK government. These links open their websites in a new tab.

British Business BankGrowth Guarantee Scheme: how it worksThe official overview of the government-backed scheme: who can apply, how much can be borrowed and how the 70% guarantee to the lender works.Read on British Business Bank ↗ British Business BankGrowth Guarantee Scheme: FAQsAnswers to common questions, including eligibility, refinancing existing debt, subsidy limits and personal guarantees.Read on British Business Bank ↗ British Business BankBusiness guidance libraryPractical articles on finance, cash flow, staffing and sustainability to help you prepare before you borrow.Read on British Business Bank ↗ British Business BankFinance FinderAn interactive tool from the government-owned British Business Bank that helps you explore which types of finance could suit your business.Read on British Business Bank ↗ GOV.UKFinance and support for your businessSearch government-backed grants, loans and support schemes by location, business size and sector.Read on GOV.UK ↗ Start Up LoansStart Up Loans for new businessesGovernment-backed personal loans for people starting or in their first years of running a business, with free mentoring.Read on startuploans.co.uk ↗

Questions

What business owners ask us most.

Can't see your question? Call us on 020 8097 9100.

Does checking my eligibility affect my credit score?

No. There's no credit check to start. Checking your eligibility with us doesn't touch your credit file. A lender only checks your credit if you decide to go ahead with an application, and we'll tell you before that happens.

Do you charge a fee?

No. You pay us nothing for our service. We're paid commission by the lender that provides your finance, and we'll tell you how much before you sign anything.

Are you a lender?

No. Love Capitals is a commercial finance broker. We search our panel of 163+ lenders, help you choose and handle the application with you. The lender makes the final decision.

How quickly can I get funding?

It depends on the product. Some unsecured loans and merchant cash advances can be arranged within days once your documents are in. Asset finance often takes about a week. Bridging loans usually take a couple of weeks because a valuation and legal work are needed.

Can I get funding with a poor credit history?

Sometimes. Some lenders specialise in businesses with past credit problems, although the cost is usually higher. Tell us about it up front, as an explanation often helps.

Can new businesses apply?

Yes. Some lenders consider businesses from six months' trading, and asset finance or card-based funding can work earlier. Government-backed Start Up Loans are designed for newer businesses.

Will I need a personal guarantee?

For limited companies borrowing on an unsecured basis, lenders usually ask directors for one. We'll always tell you whether a lender requires a personal guarantee before you apply.

What can I use the funding for?

Almost any genuine business purpose: hiring, stock, equipment, vehicles, marketing, refurbishment, buying premises, covering a cash-flow gap or taking on a bigger contract.

Free · No obligation · No credit check to apply

Check your eligibility.

Tell us about your business and what you need. A funding adviser will search our panel of 163+ lenders and come back to you with your options.

Prefer to talk? Our contact details are at the bottom of the page ↓

Your eligibility check

7 quick questions · 30 seconds · no credit check.

How much funding do you need?

Question 1 of 7

How much funding do you need?

Drag the slider or pick a common amount.

£50,000
£5k£2m+

Refer a friend

Know a business that needs funding? Get £80.

Introduce a friend's business to Love Capitals. When they're approved for funding with us, we'll pay you £80 as a thank you.

  1. 1

    Tell us about your friend

    Share their name and number using the form, and let them know we will be in touch.

  2. 2

    We help them find funding

    Your friend gets the same free, no-obligation service as every client.

  3. 3

    You get £80

    Once your friend is approved for funding with us, we pay £80 to your bank account — usually within a week.

£80 is paid per referred business once it is approved for funding through Love Capitals. Your friend must agree to be contacted, and we'll tell them that we pay you a referral reward. We aim to pay within 7 days of approval. Read the full referral terms.

Your details

Your friend's details

Careers

Love helping businesses grow? Join us.

We're building a team of people who like solving problems for small business owners. If that sounds like you, tell us about yourself — we'd love to hear from you.

Apply to Love Capitals

Share a few details and our team will be in touch.