Large Business Loans

Large business loans provide UK businesses with substantial capital to fund major projects, expansions, or investment opportunities. These loans are typically available for amounts ranging from £250,000 to £500,000, offering a flexible solution for companies that require a significant injection of funds.

These loans can be structured as secured or unsecured, depending on your business’s assets and credit history. Secured loans generally come with lower interest rates but require collateral, while unsecured loans don’t need assets but may have higher interest rates or shorter repayment terms.

Growth & Expansion

Large business loans can provide the capital needed to take your business to the next level. Whether you’re planning to open new locations, acquire a competitor, or invest in new technology, a large loan can help cover these significant costs without depleting your working capital.

Investment in Infrastructure

With a large business loan, you can invest in new equipment, technology, or facilities that enhance productivity and efficiency. This investment could give your business a competitive edge, improving your ability to serve customers and boost profitability.

Improved Cash Flow

If your business is experiencing seasonal fluctuations or you need to manage your working capital more effectively, a large loan can help stabilise your cash flow. This ensures you can meet your ongoing expenses, such as payroll and supplier payments, without disruption.

Flexible Financing Options

Large business loans can be tailored to your business needs. With options like fixed or variable interest rates and flexible repayment terms, you can design a loan that fits your cash flow requirements and financial goals.

Lower Interest Rates

Secured large loans often come with lower interest rates compared to smaller, unsecured loans. By using assets like property, equipment, or invoices as collateral, you can access better terms and reduce the cost of borrowing.

Business Financials

Lenders will look at your balance sheets, profit and loss statements, and cash flow reports. Strong financials and consistent profitability improve your chances of approval.

Credit History

Your business credit score, as well as your personal credit history as a business owner, will be closely scrutinised. A strong credit score can help you secure better loan terms, including lower interest rates.

Collateral

For secured loans, you’ll need to provide collateral. This could be business property, equipment, or even personal assets. The value of the collateral will impact the loan amount you’re eligible for.

Business Plan

Lenders may want to see a detailed business plan outlining how the loan will be used and how you expect it to generate revenue or improve profitability. A solid plan can bolster your application.

Time in Business

Most lenders prefer to work with established businesses that have been operating for at least 2-3 years. Startups may face additional challenges in securing large loans but can still qualify with a strong business model and financial backing.

Large business loans are versatile and can be used for a wide range of business activities. Some of the most common uses include:

Expansion – Funding for new locations, larger facilities, or increased operational capacity.
Acquisition – Capital for purchasing a competitor or complementary business.
Working Capital – Strengthening cash flow for daily operations and unexpected expenses.
Refinancing – Consolidating high-interest debts into a single, more manageable loan with better terms.
Equipment & Technology – Investing in new machinery, vehicles, or technology to improve efficiency.
Real Estate – Purchasing or renovating commercial property.

Finding the Right Lender for Large Business Loans

Choosing the right lender for a large business loan is crucial. Banks, alternative lenders, and online lenders all offer large business loans, but terms and requirements can vary significantly. When comparing lenders, consider the following:

Interest Rates: Secured loans often come with more favorable interest rates. However, shop around for the best deal that aligns with your financial position.
Loan Terms: Look for flexible terms that suit your cash flow. Longer repayment periods may reduce your monthly payments but could increase the total interest paid over time.
Fees & Charges: Watch out for hidden fees such as arrangement fees, early repayment penalties, and administration charges. Ensure you understand the total cost of the loan.
Reputation & Service: Choose a lender with a strong reputation for working with businesses your size. Consider reviews, customer support, and any recommendations from your network.

If your business needs substantial capital to grow, a large business loan may be the solution. With loan amounts between £250,000 and £500,000, you can access the funds required to take your business to the next level.

Ensure that you have all the necessary documentation and financials in place before applying. This preparation will not only streamline the process but also increase your chances of approval.

Ready to unlock your business’s potential? Contact us today to discuss your large business loan options, and find the best financing solution for your growth ambitions.

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Check if you’re eligible in 20 Seconds

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Apply online in 2 mins

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Get you’re decision

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Funds paid into you’re bank within 24 hours

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“Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”

Jonathon Ison

“The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”

Wale Towolawi

“No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”

Owl Education Ltd

“Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”

Mark Gill

“Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”

Davis Sanassy

“Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”

Upul Ekanayake

“Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”

Alan Gates

“Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”

Nat

“First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”

John Bailey

“Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”

Mike Finnigan

“I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”

Marlon Carrington

“Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”

Justin Jones

“I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”

Finance Department

“A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”

Ryan White

“Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”

Dan Currey

“A 5 star service. Very impressed with the account manager and will 100% recommend his services”

Vincent Torku

“As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”

Alliance Speciality Care

“The customer service from John was great, very friendly and efficient. Would definitely recommend”

Katie

“We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”

Martyn Solari

“A 5 star service. Very impressed with the account manager and will 100% recommend his services”

Vincent Torku

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