Quick Business Loan

  • Check eligibility for loans from £10,000
  • Match with lenders in 60 seconds
  • Self serve application process
  • Dedicated broker review

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Quick Business Loan

When it comes to running a business, experiencing delays in cash flow is inevitable.

Having quick access to capital is not only essential for business operational costs, it's also a must for growth.

Our experienced team of business finance brokers have decades of collective expertise, allowing your business to access much-needed cash in as little as 24 hours.

  • Loans from £20,000 to £25 million
  • Cash-flow funding, equipment finance, merchant cash advances, asset finance, VAT loans, business acquisition finance and SaaS finance
  • Business loans within 24 hours (subject to eligibility)
  • Loans for retail outlets (portfolios and limited companies welcome) restaurants, cafes, florists, hairdressers, pharmacies

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 Business Loan Success Stories

 

Business Loan for Procurement Company
Area
Nationwide
Capital Raised
£1M
Date
January 2025
Asset Finance for a Battery Energy Storage System
Asset Finance for a Battery Energy Storage System
Area
Cheshire
Capital Raised
£750K
Date
January 2025
Commercial Bridging Loan to Refinance Hotel Before Sale
Commercial Bridging Loan to Refinance London Hotel Before Sale
Area
London
Capital Raised
£13.8m
Date
January 2025

 See All Business Finance Case Studies

Why Our Customers Trust Us

With expert guidance, business finance can provide an essential, versatile, and cost-effective solution.

business finance rates

Market-Leading Rates

We provide access to market-leading rates for every client, thanks to our relationships with business finance lenders across the market.

Award Winning Team

Multi-Award-Winning Team

Our team of business finance advisers have years of experience and are qualified to the highest level. We're proud to have numerous customer service awards to our name.

independent advice

Fully Independent

As an independent brokerage, we focus on your best interests when comparing business finance options: from costs and terms to speed of service.

To book a free, no-obligation call with an adviser to discuss your options, contact us today.

Book Consultation

Our Experts

Our dedicated business finance team have deep industry knowledge and years of experience.

Meet The Team

Jon Moffatt

Jonathan Moffatt

Head of Business Finance

Ben Francis

Ben Francis

Finance Executive

James Ellcaott

James Ellacott

Commercial Finance Broker

How We Work

1. Get a Customised Quote

Our business finance brokers will get an understanding of your business and your requirements, look at your financial forecasts and accounts, and provide a sense-check on what product(s) will best fit your needs, as well as how much you could borrow, and what the costs and terms could look like.

2. Compare Options

When you’re happy with the proposed solution, we’ll go away and compare options across the market. We’ll often present a range of choices ranging from lowest cost to most flexible, and we’ll talk you through the pros and cons of each if it’s a close decision.

3. Submit Your Application

If you’re happy with the terms we can source, we’ll handle the paperwork and submit your application for you. We’ll handle any issues and questions that may arise from the lender, and we’ll keep chasing your application to ensure funds are released as quickly as possible.

4. Receive Funds

You receive your finance success! And we’ll always be here for any ongoing questions or support you require during your loan term. 

Speak to a business finance specialist today

Get the funding your business needs to reach its full potential. We’ll guide you through the process and take care of the heavy lifting. 

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Authors

Guide to Quick Business Loans

with Jonathan Moffatt & Sam Hodgson

Last Updated: 10/02/2025

 

Quick Business Loans - How to Get Cash Fast for Your Business

Sometimes when you need money for your business, you don’t have time to wait. Getting a business loan needn’t be a time-consuming affair, filled with business plans and stringent criteria.

Here’s how to get fast access to capital for your business, right when you need it.

Key Takeaways:

  • Business loans can provide funds within 24 hours, with some available in 48 hours, enabling rapid access to needed capital.
  • Unsecured loans offer the fastest funding as they don't require collateral, have fewer fees, and avoid asset risk.
  • Financial solutions like this can be used to pay salaries, and taxes, empower business growth, and expand commercial premises.
  • A specialist business finance broker can provide access to a wide range of lenders, market-leading rates, and tailored funding options.

What is a Quick Business Loan?

At Clifton Private Finance, we define a quick business loan as any company loan that can be achieved in under 24 hours. While there is also a range of loans that can be obtained within 48 hours - itself a rapid turnaround - to be considered truly quick, money should be in the bank within a day.

Unsecured Loans - The Key to a Quick Business Loan

The fastest business loans will be unsecured loans. This is because the administrative demands of an unsecured loan are far shorter than for an asset-based secured loan. There are several advantages to quick unsecured loans, including:

Rapid application process

Most unsecured business loans lean heavily on your business credit rating (but not all - so don’t worry if your credit rating isn’t too healthy). Assessing a loan application based on a credit report can be done extremely quickly and for businesses with a strong credit history, a positive response can come through in a very short time.

Fewer fees

Unlike secured loans, which often have set up and administrative fees, an unsecured loan has fewer fees, saving your business money in the long term.

No risk on your assets

An unsecured loan is not tied to any of your business assets, so there’s no chance of anything being repossessed should you struggle with repayments in the future. Unsecured loans place more of the risk with the lenders and make it easier for the business to get on with its work.

Untethered amounts available

A secured loan is always limited by the value of the underlying asset used as collateral. Unsecured loan sizes are determined more by other factors, such as your business credit history, and are available for up to £500,000 for SMEs.

No loss of equity

External investments, such as angel investors, offer an alternative to a quick business loan, but will always involve the loss of some of your business equity and control. While the temptation for investment money is strong, often an unsecured loan can provide the same capital injection you need, without you needing to give up some of your business to get it.

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Quick Business Loans with Bad Credit

One of the problems in securing an unsecured quick business loan, especially with traditional high street banks, is that so much focus is placed on the credit score that a couple of months of prior difficulties may hamper your ability to get a loan such that it almost seems impossible.

These may include options such as a director’s guarantee, a slightly higher interest rate, or a more modern approach to assessing business viability, such as a DCSR loan.

Debt-Service Coverage Ratio Loans

Debt-Service Coverage Ration (DSCR) loans provide an alternative means of lender’s risk assessment. Rather than basing their decision on your business credit history, your business finances are looked at more comprehensively, with a focus on your business cash flow and your current level of debt service (the amount of your business income that is currently tied up paying other debts and overheads).

For more information on DSCR loans, why not read our in-depth article? - What Are DSCR Loans and How Do They Work?

Uses of a Quick Business Loan

Taking advantage of business opportunities is key to a successful business, and sometimes the money is just a little tighter than you want it to be. A quick business loan enables you to act in the best interests of your business without being held back by logistics.

Quick business loans are applicable for:

  • Paying salaries and other staff commitments - Sometimes you can come up a bit short when you need to pay those all-important wages. A quick business loan is ideal to ensure all your employees are not let down.
  • Meeting tax liabilities - With a range of specific short-term corporation tax loans and VAT loans, there are plenty of quick business loans available to make sure you don’t delay payments to HMRC.
  • Taking advantage of a business opportunity - Sometimes the time will arise when there’s a one-in-a-lifetime moment to be grasped that can propel your business forward and make a strong profit - such as another business selling their stock at a greatly reduced rate, or an opportunity for new equipment at a discount. A quick business loan can open the door to an opportunity that might otherwise slip away.
  • Promotion - Need a cash injection to get a product or service out there? A quick business loan is perfect for meeting a marketing or advertising need and making sure you don’t miss the window to maximise your innovation.

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Bridging Loans - a Quick Business Loan for Investment

A subset of quick business loans are bridging loans. Used primarily for property investment and other large-scale growth projects, a bridging loan is a specific quick business loan that is developed to take advantage of major opportunities such as buildings that come up in auction, or buying significant assets from businesses that have entered administration.

Bridging loans requires a more substantial level of administrative effort and paperwork, including a comprehensive exit strategy. More information is available on this powerful financial business tool in our guide to bridging loans.

Applying for a Quick Business Loan

As with any application, it pays to be prepared with your loan application. Any lender is going to be looking for some basic information, so have as much to hand as possible. Registered addresses, director information, and your latest business plan are all documents that will help you get your application put through as quickly as possible.

Applying for a quick business loan isn’t a long process, however, and at Clifton Private Finance, we make sure that everything is as streamlined as possible.

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Finding the Best Quick Business Loan for your Company

With tens of potential lenders that will work for your business, as well as multiple viable products per lender, picking the right quick business loan can be complicated. At Clifton Private Finance, we do all that legwork for you, so that you can get on with the day-to-day without the stress involved in getting the best loan.

Our video below on business loans for limited companies summarises how they work and the eligibility criteria:

As a specialist broker, we have access to the widest range of lenders in the UK market and will be able to match the right lender and the right loan to your business. Our experts will help with your application, making the process as smooth as possible so that the money is cleared and ready to use within 24 hours.

Contact us immediately to see which quick business loans are available for you today.

Why Choose Clifton Private Finance?

Here at Clifton Private Finance, our quick business loan specialists offer a complimentary advice service and can help you choose the right finance solution for your business requirements. 

Our broker team will help you source the most competitive business loans, commercial property finance, business acquisition finance and cash flow funding solutions. 

Our business loan service provides:

  • Market-leading rates
  • Fast service - finance within 5 to 7 days
  • Access to specialist lenders 
  • Expert advice - professional service 

Next Steps

As a specialist finance broker, Clifton Private Finance can provide a clear picture of your options. We will assess your circumstances and arrange a finance solution tailored to your needs.

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Frequently asked questions

You can find the most common questions asked about business loans below. If you have a question that isn't answered here, please email us at commercial@cliftonpf.co.uk

Since business loans are used across practically all industries, they're useful for anyone. In particular, they're most commonly used by small or medium businesses. For smaller businesses, the loan can be used to cover startup costs, including staff hiring and stocking inventory.

For medium or larger businesses, a business loan is useful for acquiring machinery and equipment used to grow and elevate the business.

The uses for a business loan, however, are wide and flexible, and can be used in a variety of ways to grow and enhance your business. 

Business loans offer an effective solution for businesses short on capital, but there are several risks involved with receiving loans. The primary risk of a business loan is its financial risk. Should you receive an offer from a lender that lacks flexibility, has a particularly high interest rate or has other factors that make it difficult to repay the loan, there is a risk of an impact on your credit score, loss of secured property, or fines.

 

Businesses use finance to pay for a variety of products, properties, and more. As a business, finance is commonly used to start up businesses, and cover upfront costs, including staff payroll, equipment and inventory stock.

Business finance is also used for expansion: if you're looking to improve the speed, efficiency, or capabilities of your business, and it's a fantastic way of securing funding to support growth by covering expensive equipment costs.

 

Business finance involves the direct involvement of brokers in organising financial transactions, business finance brokers liaise with clients and lenders to secure the best coverage of a requested loan amount, as well as the most competitive interest rate.

Accountants, however, are solely responsible for the documents and reporting of the transactions.

When it comes to business finance, a business loan is perhaps the most standard method of acquiring capital for your business. These traditional loans are highly flexible, with a broad range of applications to support the growth and development of your business.

The following is an example of a business loan application that is particularly common:

Scenario:

A construction company is looking to acquire equipment to undertake a large project, but they lack sufficient funds to purchase the equipment outright.

Instead, they consult with Clifton Private Finance, who find the very best market rate business finance deals and organise a £100,000 loan for the construction company.

Process:

After an initial consultation with one of our business finance brokers, the broker reaches out to a wide panel of lenders, offering a range of competitive offers to review. The broker receives an offer for the full amount with a competitive interest rate, allowing the owner to pay the business finance loan without greatly reducing cash flow.

Result:

With the purchase of the new equipment, the construction company can now complete the large project, and once complete, the large profit generated from the project itself is more than enough to cover the cost of the business loan.

Let us do all the hard work of finding the right product and lender for your circumstances. We secure business finance for applications of all types, and we negotiate competitive lending to meet your needs and timescales.

Jonathan Moffatt
Head of Business Finance

Book a consultation and speak to one of our experts today