Flexible Business Loan in UK
Funding That Arrives Just in Time
Fast Business Loan offers for SMEs, startups, and franchises. Access fast, reliable funding for your business growth.
Loan Approval Dashboard
Approved
£250,000
Approved Ammount
Hospitality
Business
48 hours
Approval Time
Secure a Fast Business Loan to Power Your Business
TRK Finance provides business loans designed to support cash flow and growth needs, with transparent terms and efficient approval processes.
Applying for a business loan in the UK is straightforward. Complete our online application with no upfront fees, receive a decision within 1–2 working days, and access funds shortly after approval. We support UK SMEs, startups, and established businesses, offering business loans, short-term finance, and asset finance to help maintain healthy working capital.
Have bad credit? You may still be eligible. Request a no-obligation quote today and find the right business funding for your needs.
£10M+
Funded to Date
24-48 hrs
Quick Decisions
Why Choose Our Business Loans?
Fast, flexible funding solutions designed for modern businesses
Loan Amounts
Flexible funding options to match your business needs
24-Hour Approval
Get your loan decision within one business day
No Hidden Fees
Transparent pricing with absolutely no surprise charges
Unsecured Business
No collateral required for qualified businesses
Low Interest Funding
Competitive interest rates starting from 4.9% APR
Same Day Funding
Funds transferred quickly within hours of approval
Calculate Your Loan
*This is for indicative purpose only.
Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer.
Eligibility Requirements
We have flexible criteria to help more businesses access funding
We Accept ✅
-
Startups (6+ months trading)
New businesses with proven revenue
-
SMEs & Medium Enterprises
Established businesses of all sizes
-
Bad Credit History
We consider all credit backgrounds
-
Franchises
Franchise businesses welcome
-
Limited Companies
UK registered companies
-
Sole Traders
Individual business owners
We Don't Accept ❌
-
Active Bankruptcies
Currently bankrupt individuals
-
No Trading History
Businesses with no revenue
-
Gambling/Adult Industry
Restricted business sectors
-
Money Lending
Financial services sector
Trusted by Leading UK Businesses
3 Simple Steps to Apply
Get your business loan in just a few easy steps
Quick Application
Fill out our 5-minute online form
Instant Assessment
Get a decision within 24 hours
Funds Transfer
Money in your account next day
Minimum Requirements
£4,000
Minimum Monthly Turnover
6 months
Minimum Trading History
UK Based
Business Location
Funding For All Business Purposes
Our business loans can be used for a wide range of legitimate business purposes. Below are some of the most common reasons businesses apply for funding. This list is not exhaustive, and we consider most genuine business needs, including covering short-term cash flow gaps, such as ahead of rent or VAT payment periods.
- No personal guarantees required
- Quick approval within 24-48 hours
- Flexible repayment terms
Working Capital
HMRC Payments
Unexpected Bills
Rent/Rates
Wages/Salaries
Stock
Expansion
Cashflow
Buffer Refurbishment
Sectors We Lend To
Common types of Business we lend to. However, if you can’t see your
business below, don’t let that stop you from applying.
Retail
Shops, boutiques, and online stores
Transport & Logistics
Delivery services and freight companies
Restaurants & Cafes
Food service and hospitality businesses
Construction
Building and renovation contractors
Technology
Software development and IT services
Healthcare
Medical practices and wellness centers
Education
Training centers and educational services
Automotive
Car dealerships and repair shops
Beauty & Wellness
Salons, spas, and beauty services
Professional Services
Consulting and business services
Don’t see your sector?
Trusted by Thousands
Join Many successful businesses who trust us with their funding needs
£10M+
Total Disbursed
92%
Approval Rate
4.8/5
Customer Rating
24-48 hrs
Avg. Approval Time
What Our Customers Say
TRK Finance transformed my perception of secured lending. The digitized process was quick and straightforward, and their team made sure I felt supported every step of the way. Highly recommend!
I was in a time-sensitive situation, and TRK Finance came through with a solution that perfectly fit my needs. The funds were released faster than I expected, and the process was transparent throughout.
Their short-term finance options helped us free up cash flow during a crucial growth phase. Thanks to their flexible repayment terms, we managed to stay on track without any stress.
TRK Finance isn’t just a lender; they’re a trusted and reliable partner. Their expert advisors guided me through the application process, and I felt like my business truly mattered to them.
The Finance calculator was super helpful, user-friendly, and incredibly easy to use, and the funding process was impressively quick. TRK Finance truly exceeded all my expectations!
We needed financing for a major business acquisition, and TRK Finance offered a perfectly tailored solution with flexible repayment terms. Couldn’t have asked for better!
Your Security is Our Priority
256-bit SSL
Bank-level encryption
Data Protected
GDPR compliant
99.9% Uptime
Always available
How It Works
Get your business loan in three simple steps – it’s faster than you think
Apply Online in 5 Minutes
Complete our simple application form with basic business information. No paperwork required.
- Basic business info
- Financial overview
- Loan requirements
Application Form
Processing Status
- Application received
- Under review
- Approval pending
Get a Decision in 24 Hours
Our advanced system reviews your application instantly. Human experts verify and approve.
- Instant assessment
- Credit check
- Expert review
Funds in Your Account Next Day
Once approved, funds are transferred directly to your business account within 24 hours.
- Direct bank transfer
- Same day processing
- Immediate access
Funds Transfer
£250,000
Transferred to your account
Our Process Guarantee
Fast Processing
Applications processed within 24 hours
Secure & Private
Your data is encrypted and never shared with
third parties
No Hidden Fees
Transparent pricing with no surprise charges
Frequently Asked Questions
Get answers to common questions about our loan process
A business loan is a type of financing provided by banks, lenders, or financial institutions to help businesses cover expenses such as expansion, equipment purchases, cash flow management, or other operational costs. The loan is repaid over a fixed term with interest, and the amount you can borrow depends on factors like your business’s creditworthiness, turnover, and repayment ability.
Repayment terms typically range from 1 to 10 years, with some lenders offering up to 25 years for large secured loans. Shorter terms mean higher monthly payments but less interest overall, while longer terms reduce monthly costs but increase total repayment.
The loan amount depends on your business’s financial health, credit history, and repayment capacity. At TRK Finance UK, you can typically borrow between £5,00 and £500,000 (or more for secured loans). We assess each application individually to determine the best loan amount for your business.
We provide a range of business loans, including secured loans (backed by collateral), unsecured loans (no collateral required), short-term loans, merchant cash advances, and commercial mortgages. Our team can help you choose the best option based on your business needs and financial situation.
Interest rates vary based on loan type, amount, term, and creditworthiness. Unsecured business loans typically range from 5% to 30% APR, while secured loans may have lower rates starting from 3.5% APR. We provide personalised quotes with no obligation.
Still Have Questions?
Our expert advisors are here to help you understand your options
Call Us
02030 022 130
info@trkfinance.uk
Compliance
We recognize our responsibility to safeguard your privacy and protect your personal data. Our Privacy Policy outlines the types of personal information we collect, how we use and store it, and the circumstances under which it may be shared with third parties. Due to the nature of our deal sizes and borrower profiles, we operate independently of FCA regulations, allowing us to assess each application with complete flexibility. However, our team includes FCA-accredited professionals who ensure that all our practices adhere to the highest industry standards.
- Industry Standards Compliant
Ready to Grow Your Business ?
their funding needs
Limited-Time Low Rates!
Best Rate in Market
Get Help From Our Experts
Call Now
02030 022 130
Free consultation available
Office Hours
Mon-Fri: 8AM-8PM
Weekend support available
Fast Fast Approval
Decision in 24 hours guaranteed
Secure Process
Bank-level security & encryption
No Hidden Fees
Transparent pricing always
Trusted by Many UK businesses