SME Business Loans Simple.Flexible.Better.
Looking for a Business Loan?
Explore our range of loan options for UK limited companies trading over 1 year and who meet our minimum turnover criteria of £120,000 per annum.
Borrow £10k - £250k
6 months – 5 Years
Pay Early, Pay less
Apply in 2 mins
Funds in 24 Hours
Expert Business Funding for UK SME’s
Get an unsecured business loan with Century - the only business finance company in the UK dedicated to just business loans.
We are not a jack of all trades. We are a master of one.
Our business loans are simple, flexible and quick. So don’t be held back any longer. Get started today on obtaining the funding your business needs.
Our Business Loans
Cashflow Loans
Short term loans for temporary cashflow issues
- Borrow from £10k - £250k
- Terms from 6 Months – 12 Months
- Funds in Account Same Day
Working Capital Loans
Short to Mid Term Funding for SME’s
- Borrow from £10k - £250k
- Terms from 6 Months – 36 Months
- Funds in Account Same Day
Tax & VAT Bill Loans
Short term business loans for HMRC Debt
- Borrow from £10k - £250k
- Terms from 6 Months – 12 Months
- Same Day Funds
Growth Loans
For businesses trading over 5 years, looking to get to the next step
- Borrow from £10k - £250k
- Terms from 12 Months – 5 Years
- Pay Back Early, Pay Less
Same Day Business Loans
Loans for businesses needing urgent funds
- Borrow from £10k - £250k
- Terms from 3 Months – 2 Years
- Same Day Funds
Large Business Loans
Large Business loans for well established, profitable businesses
- Borrow from £250k - £500k
- Terms from 3 Years – 5 Years
- Pay Back Early, Pay Less
Check If I Qualify
Check Eligibility without affecting your credit score.
Check if you’re eligible in 20 Seconds
Apply online in 2 mins
Get your decision
Funds paid into your bank within 24 hours
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Frequently Asked Questions
How long does the process take?
Lenders we deal with are much much faster than your bank so typically 24 hours from start to finish but other factors can and do play a part such as, how quickly the applicant provides the info required or how quickly they respond to questions asked.
How much can I borrow?
We provide loans ranging from £10,000.00 - £250,000.00 but each cash is assessed on individual merit. Factors that play a part in our credit risk assessment are: Time Trading, Cashflow, Profit, Balance Sheet Info, Existing Exposure with other lenders, Business payment history, personal payment and credit history of the directors. We always strive to be realistic and not lead people up a garden path, promising the earth. A young business which makes a loss isn’t going to get as much money as a well-established, highly profitable business with a strong balance sheet. That’s the reality. But we help ALL types of businesses and we undoubtably should be able to find something for you.
What’s the Rate?
There isn’t a one size fits all interest rate. All applications are assessed on their own merit. This is both logical from a risk point of view and also responsible both from a lending & borrower perspective.
Is there a personal guarantee?
In short, yes. But people often get confused with regards what this entails. A Personal or Directors Guarantee (PG or DG), is not a legal charge on your house or assets. It’s a legal promise from you the business owner to the lender that if the business fails to pay, you will help. A PG/DG does not show up on your personal credit file and it does not prevent you from selling your home and moving house.
Can I repay the loan early?
Yes you can. But how much you have to pay varies from lender to lender. Some will want the full terms capital and interest, others will offer a percentage discount, some just want interest up to and including the point of settlement.
What information do I need to provide?
Nothing complicated that’s for sure. Business name, owners’ details, latest set of year end accounts, last 6 months business bank statements. That’s the standard, basic info and most of the time that will suffice. You could be asked for further info but again, it’s usually nothing to complicated or intricate.
What do I do if I miss a payment?
Don’t ignore calls or emails. That’s rule number 1. Lenders aren’t in the business of going legal, so long as the lines of communication are open. They’re not monsters and will always work with you to find a solution.
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Unlock Your Business Growth: Check Your Loan Eligibility 20 Seconds
See if your UK business qualifies for funding in just 20 seconds.