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Your go-to resource for finding business loans in England
We understand how challenging it can be to find the right funding for your business. This page is here to simplify things. We’ll explain the different loan options available to businesses in England and how you can apply with ease.
Whether you need a loan for equipment, expansion, or cash flow, read on to find valuable insights to help you make the best choice for your business.
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Get a decision
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Business loans in England, explained
Fleximize is led by an experienced team, helping thousands of businesses in England since 2014.
So, what is an England business loan? Simply put, it’s money lent to a business based in England, not to an individual. These loans help businesses cover daily expenses or invest in growth.
While it sounds simple, there’s more to it. We’ve spent years creating easy-to-understand business finance solutions because we believe getting a loan should be fuss-free and straightforward.
Read on to learn how an England business loan can help your business grow. When you're ready, follow our easy online application process to start your funding journey with Fleximize.
Apply for a business loan in England
Applying for a business loan in England doesn’t have to be complicated. We offer a fast and easy online application process. Fill out our secure online form to apply in less than five minutes. We’ll let you know if you pass our initial checks, then ask for a few important documents to help us make our decision.
Your dedicated relationship manager will aim to give you a decision within 24 hours. If it’s a yes, we’ll transfer your funds immediately– often landing in your account on the same day if we have everything we need.
Key benefits of a Fleximize business loan
When you choose Fleximize, you’re not just getting a loan; you’re getting a partner who understands your business. Here’s why businesses in England choose Fleximize:
- Flexible repayments that can be adjusted to match your cash flow.
- Fast decisions, so you can focus on growing your business.
- Fair, competitive, and transparent pricing with no hidden fees.
Our friendly team is here to help you every step of the way.
Loved by our customers
What can a small business loan be used for?
Business loans are incredibly versatile. Here are just a few ways you can use a loan to boost your business:
- Upgrade your machinery or tech to keep your business competitive.
- Move into larger premises or open a new location.
- Ensure you have enough working capital to cover day-to-day expenses.
- Fund a new product line or marketing campaign.
How much does a business loan cost?
The cost of a business loan depends on a few factors such as interest rates, repayment terms, and whether it is secured or unsecured.
We believe in fair and transparent pricing, so you’ll always know what to expect with a Fleximize loan.
For an estimate of your monthly repayments, try our business loan calculator below or apply today for a full evaluation.
What information will I need to provide?
Applying for a Flexiloan takes just five minutes.
During your application, you’ll be asked to give some basic information about yourself, your company, and any other directors. We will also like to know the purpose of your loan.
If you’d like to apply, it’s good to have these documents ready:
- Business bank statements from the last three months
- Your most recent set of management accounts
- A revenue summary
You can upload these during the application process or share them securely via Open Banking in just a few clicks.
Can I get a business loan in England if I'm based overseas?
To be eligible for a business loan in England with Fleximize, your business must be based in the UK.
Businesses that are fully based overseas, like those in the Republic of Ireland or Crown Dependencies, are not seen as UK businesses. This means they aren’t eligible for a Flexiloan. However, if you have a company set up and running in the UK, even if it’s not your main base, we may still be able to offer you funding.
For example, consider a retail company primarily based in Copenhagen. If that company has a UK branch registered at Companies House, set up as a limited company, and with at least one director living in the UK, then the UK branch would be eligible to apply for a Flexiloan.
International businesses can be complex, so if you’re unsure about eligibility, please contact our team. We’d be happy to discuss whether we can help fund your overseas business.
National vs regional business loans in England
England has both national and regional funding options. National programmes are available to all businesses across the country, while regional schemes might be specific to certain areas. For example, local councils may offer unique grants or funding opportunities.
Fleximize provide business loans throughout England, to both limited and non-limited companies, catering to businesses of all sizes.
Business loans in London
London-based businesses face unique challenges, from higher operating costs to increased competition. Fleximize offers loans tailored to the needs of London companies.
Whether you're expanding in the capital or launching a new project, we’ve got options to support your growth. Check out our dedicated page on Business Loans in London for more details.
Apply for a business loan today
Ready to grow your business? Pour yourself a cuppa and take five minutes to apply for a loan with Fleximize today, and get the funding you need to take your business to the next level. Our simple application process and fast approvals mean you could have the money in your account in no time.
If you want to know more about how we can support your business, give our friendly team a call and you'll get straight through to someone who can help, like Luke. Or, if you're ready to apply, get started by clicking the button below.
0207
100 0110
Your common questions answered
Business loans in England generally fall into two main types: unsecured and secured.
Unsecured business loans don’t need you to put up personal or company assets as collateral. Instead, they rely on a personal guarantee from business owners, shareholders, or company executives.
Secured business loans are backed by an asset, like property or equipment. This often allows businesses to access larger loan amounts or get lower interest rates.
The right loan for you depends on things like how much you need, whether you have assets, and your personal preferences. Fleximize offers a variety of loan options, including unsecured and secured loans, with added flexibility—like repayment holidays, loan top-ups, and penalty-free early repayment.
Loan terms vary to suit your needs. Our unsecured business loans in England are available over 3 to 36 months, while our secured loans are 3 to 60 months.
We pride ourselves on fast approval times. You can usually expect a decision within 48 hours from applying.
Once we have everything we need, funds are typically deposited on the same day of approval.
Yes! Once approved, we aim to get the funds to you as quickly as possible, often on the same day.
It may be possible to adjust your loan amount after submitting an application. Talk to your Relationship Manager to see how we can help.
We take a comprehensive view when it comes to assessing affordability.
Typically, we’ll look at your business’:
- Profitability
- Incoming and outgoing revenues
- Available cash cover to effectively service a new loan facility
Even if your credit rating isn't perfect, or if you've faced rejections in the past, Fleximize is here to support you and your business.
Our business loans are accessible across the UK, catering to both limited and non-limited businesses of all scales.
Whether you operate in England, Scotland, Wales, or Northern Ireland, our services are available to support the financial needs of your business.
Do you have a question that you can't see? Check out our FAQ page.
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