Name: Small Business Loans Scotland
Brand: Fleximize
Rating: 4.9 (1027 reviews)

Scottish business loans, explained

Scotland boasts businesses in all industries – from construction and tourism to life sciences. Many harness the research and innovation potential of universities in Aberdeen, Edinburgh, Dundee, Glasgow, St Andrews, Strathclyde and Stirling, among others. In fact, research and development are big in Edinburgh, which is why it's cited as one of Europe’s top locations for technology.

To sustain the success of Scotland’s SMEs, it’s crucial that they can get hold of small business financing when they need it.

Flexible finance

Funding in as little as 24 hours

Repayment holidays

Penalty free promise

Business loans in Scotland

Fleximize offers a range of unsecured business loans from £5,000 to £250,000. This is a quick and convenient source of financing – the money can be with you in as little as 48 hours. You only need to be trading for a minimum of six months, and you can repay over loan terms of 3 to 60 months.

You can find out more about our products by visiting our services page, but here are the key features of our financing options for Scottish businesses:

Unsecured business loans of £10,000 – £250,000
Approval and deposit in as little as 24 hours
No hidden fees or early-repayment penalties
Competitive interest rates starting from 0.9% per month
Interest charged on a reducing balance, not the total loan amount
Repayment holidays and top-ups available with all loans
Exclusive discounts on industry-leading business services

Apply for Scottish finance

What interest rates should I expect for Scotland business loans?

At Fleximize, the total cost of your loan includes the loan itself, plus interest and a nominal fee, which you’ll see upfront.

Other lenders may charge extra fees for arrangement, overpayments and early repayment.

Our interest rates start from 0.9% per month. Thanks to our Penalty-Free Promise, you can repay your loan early at no extra cost and only pay interest for the time you have the loan.

Use our award-winning Scotland business loans calculator to get an instant estimate of what your loan could cost. If you’d like a tailored quote, give us a call on 020 7100 0110. We’ll create a funding package tailored to you.

Flexiloan Flexiloan Lite

Our Flexiloan product is available to businesses trading for at least 12 months over a 12-60 month term.

months

Interest

£8,460.08

Total Repayment Amount

£58,460.08

Monthly Repayment

£3,247.78

Show potential savings through early settlement

Our Penalty-Free Promise means you won’t be charged extra for repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term	£58,460.08
Total Repayable if Repaid Early	£56,122.84
Interest Saving	£2,337.25

* Interest rates offered to new customers may vary from rates advertised due to variations in the Bank of England base rate and/or Standard Overnight Index Average (SONIA).

This estimate is based on a monthly interest rate of 1.70%, which may not reflect your final rate. Please apply online for a tailored quotation.

A representative example of a loan of less than £25,000: 40.8% APR representative, based on a fixed annual rate of interest of 34.7% and an assumed loan amount of £15,000 over 18 months; equating to monthly repayments of £1,080.67 and a total repayable of £19,452.06.

Our Flexiloan Lite product is available to businesses trading for at least 6 months over a 3-12 month term.

months

Interest

£3,472.16

Total Repayment Amount

£33,472.16

Monthly Repayment

£4,184.02

Show potential savings through early settlement

Fleximize is committed to its penalty-free promise for customers repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term	£33,472.16
Total Repayable if Repaid Early	£32,476.26
Interest Saving	£995.90

* Interest rates offered to new customers may vary from rates advertised due to variations in the Bank of England base rate and/or Standard Overnight Index Average (SONIA).

This estimate is based on a monthly interest rate of 2.50%, which may not reflect your final rate. Please apply online for a tailored quotation.

Am I eligible for business loans in Scotland?

If you're looking to apply for a business loan in Scotland, you might be eligible to borrow up to £250,000 with Fleximize. Here are the key criteria:

Business Type: You must be a limited company or an LLP (Limited Liability Partnership). For sole traders or non-limited partnerships with fewer than four partners, the minimum loan amount is £25,000.
Location: Your business should be based in the UK.
Trading History: Your business needs to have been operating for at least six months.
Revenue: You must have a minimum monthly turnover of £5,000.

We’re more flexible than traditional banks and may consider applications from businesses with less-than-perfect credit histories. If you can demonstrate how your business has improved its financial management and steady revenue growth, you might still qualify for a Scotland business loan.

Why choose Fleximize?

Finding the best business loan in Scotland often comes down to choosing a lender you can trust.

That’s why it’s good to know we’re a multi-award-winning digital business lender and have lent hundreds of millions of pounds to thousands of SMEs since our launch in 2014. We’re:

Flexible: Borrow from £5,000 to £250,000 with flexible repayment terms of up to 36 months, on an unsecured basis. Top-ups and repayment holidays come as standard and we won’t penalise you for repaying early.
Fast: Apply online in less than five minutes and get your loan, in as little as 24 hours from approval.
Personal: Get funding tailored to your needs and deal with a dedicated contact throughout.
Trusted: Our customers have named us the UK’s Best Business Loan Provider at the Business Moneyfacts Awards, twice. We’re rated ‘excellent’ on Trustpilot too.

Loved by our customers

How to apply for business loans in Scotland

Regardless of your industry, we're always looking to help business owners secure the funding they need to thrive. If you'd like to apply for an unsecured business loan, simply complete this short online application form. A member of our UK-based team will be in touch if your business passes our initial checks.

You can take a look at our range of funding options here to find out more about our products, or check out our FAQs for more information.

Looking For Funding? Let's Talk.

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 Lauran. Or, if you're ready to apply, get started by clicking the button below.

Apply Now

0207 100 0110