Getting a business loan made simple.
We help you secure the right funding quickly and with minimal hassle. Whether you need to boost cash flow, pay suppliers, cover operating costs, or kickstart a new project, we’ll match you with a business loan that fits your needs and your budget.
Access competitive, tailored rates while maintaining a strong balance sheet during uncertain times. Invest in growth, manage day-to-day expenses, and keep cash in reserve for when your business needs it most — all with a fast, straightforward application process from enquiry to funding.
Reduce your business finance costs with loan consolidation / restructuring
Many businesses that took out short-term or higher-rate funding in recent years are now able to improve their terms. With lenders reassessing pricing and credit profiles, refinancing or consolidating existing facilities can reduce monthly repayments and free up cash flow.
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We’ll review your current borrowing, compare it with today’s market options, and manage the process from start to finish. Where suitable, this can mean lower monthly commitments, simplified repayments, and more working capital retained in your business to support growth.
Business loans to suit every need
There are a range of business loan options available depending on your goals, trading history, and cash flow. We’ll help you choose the right structure — whether that’s secured or unsecured, with or without a personal guarantee — and match you with a lender that fits your circumstances.
How do businesses use our loans?​
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Business expansion and new opportunities.​​
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Marketing and advertising campaigns.
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Managing short-term cash flow gaps.
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Consolidating existing business debt.
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Purchasing stock and inventory.
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Covering payroll and staffing costs.
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Renovating or upgrading premises.
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Spreading the cost of VAT or tax bills.
Short-term loans (3–12 months)
Ideal for managing temporary cash flow gaps or covering short-term expenses.
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Flexi loans (up to 2 years)
Make early repayments without penalty and reduce your overall interest costs.
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Term loans (2–6 years)
Longer repayment periods with competitive rates for larger investments.
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Government-backed loans
Designed to improve access to finance for eligible UK businesses.
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Tax loans
Spread the cost of VAT or Corporation Tax into manageable monthly payments.
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Loan Consilidation
Restructure existing loans as a way to reduce monthly commitments and ease cashflow
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Start-up loans
Built for newly incorporated businesses looking to fund early growth.
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No personal guarantee options
Available for established businesses that want to protect personal assets.
What you should know
Understanding your security and guarantee choices
Secured vs unsecured business loans
The key difference between secured and unsecured loans is whether you provide business assets as security.
Secured loans
Backed by assets such as property, equipment, or vehicles, which can reduce lender risk and often allow for lower rates, higher borrowing amounts, and longer terms.
Unsecured loans
No asset security required, with approval based on your business performance and credit profile. These can be quicker to arrange but may have higher rates and lower maximum loan sizes.
We’ll help you decide which option is right for your business and funding goals.
Personal guarantee vs debenture
Lenders may also require a personal guarantee (PG) or a debenture, depending on the type of loan and your business profile.
Personal guarantee (PG)
You agree to repay the loan personally if the business cannot, which is common with unsecured lending and newer businesses.
Debenture
Security taken over business assets rather than personal assets, giving the lender protection while keeping your personal property separate.
Our team will clearly explain what’s required and work to structure funding in a way that aligns with your risk preference.
How does it work?
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Quick Enquiry
Share a few details about your business and finance needs using our online form or by phone. It’s fast, simple, and won’t affect your credit score.
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Understanding Your Business
Your dedicated Account Manager will discuss your goals, review your requirements, and collect any necessary documents to guide your application.
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Expert Comparison & Quote
We search our panel of lenders to find the best options for your business. We handle the applications for you and provide a no-obligation quote.
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Fast, Simple Funding
Once approved, funds are paid to your business account — making finance straightforward and hassle-free.
How is Forward Business Funding different?
Whole-of-market lender panel
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Independent and unbiased
Fast approvals and funding
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Competitive rates
Dedicated finance specialist
Built for UK SMEs
Apply now for a Business Loan
Ready to apply for a business loan? Our finance specialists will search the market to find the right business loan for your goals.