Fast Business Loans for UK SMEs from £3,000 to £100,000
Apply in minutes and receive funding within 24 hours. Direct lender solutions with flexible repayment options for growing UK businesses.
Trusted Business Loan Solutions for UK businesses
Accessing business finance shouldn't be slow or complicated. Whether you're managing cash flow, expanding, or starting fresh SimplyFunded helps UK SMEs get the funding they need, fast.
Start-ups & New Businesses
Access short term business loans designed for new ventures. Get cash flow funding to launch, stock up, and cover early operational costs with fast decisions.
Small & Medium Enterprises
Flexible working capital loans for small businesses and limited companies. Whether you need SME funding for HMRC payments or growth, we have you covered.
Growing Businesses
Quick capital access to fuel your expansion. Our business loan for ltd company owners provides the working capital needed to seize new opportunities without delay.
Typical Borrowing Range
£100,000.00
Over a 26 week fixed term
Our Core Advantages
Six powerful reasons why UK small businesses choose SimplyFunded.
No Hidden Fees, 100% Transparent Funding
Clear costs and fixed pricing on all short term business loans. No unexpected charges, no arrangement fees - what you see is what you pay.
Customisable Terms Designed for Your Business
Choose loan durations that match your cashflow. Our short term business lending options are flexible and built around your revenue cycles.
Dedicated SME Support
A UK-based team that understands small business challenges. Personal support throughout your cash flow loan journey from application to repayment.
Personalised Funding Solutions
Every business is different. We assess your needs and craft a working capital loan plan aligned with your goals, revenue, and growth stage.
Low-Barrier Approval Process
Unsecured business loans designed for non-homeowners, SMEs with limited collateral, and businesses with mixed credit backgrounds. No property required.
Easy Top-Up
Get extra cash when you need it with our instant top-ups. Quick approval, same transparent pricing, designed to keep your business moving forward.
Funding We Support
Our loans can be used across a wide range of business needs.
Working Capital
Keep operations running smoothly and cover day-to-day expenses.
HMRC Payments
Resolve tax liabilities without cashflow strain.
Rent & Business Rates
Stay on track with property and operational costs.
Wages & Salaries
Ensure timely payroll even during tight periods.
Stock Purchases
Boost inventory for busy seasons or new orders.
Refurbishment & Upgrades
Improve your premises or equipment cost-effectively.
New Contracts
Secure funding for supplies, staffing, or upfront project costs.
Business Expansion
Grow confidently with capital for scaling operations.
Plant & Machinery
Finance equipment purchases without large upfront costs.
Marketing & Advertising
Invest in campaigns to attract more customers.
Unexpected Bills
Cover emergencies or sudden expenses.
Cashflow Buffer
Strengthen your financial stability with extra working capital.
Are You Eligible?
You likely are.
Minimum 6 months trading
25% ownership of the business
Minimum £4,000.00 monthly revenue
Won't affect your credit score
SimplyFunded Fast Funding in 3 Simple Steps
Simply Funded helps UK SMEs access the capital they need in as little as 24 hours.
Apply Online
Fill out a 60-second application with basic company details. Apply for short term business loans without paperwork or long forms. Just your company and director details.
Quick Assessment
Our underwriting team reviews your application based on your business performance, not just credit history. We evaluate cash flow loans for small business fairly.
Get Funded Within 24 Hours
Money is sent directly to your business account once approved. Fast SME funding for working capital loans - secure, transparent, and ready to use.
Real Support. Fast Decisions. Reliable Funding.
4.8/5
Trustpilot Rating
4.9/5
Google Rating
Applying won't affect your credit score!
"SimplyFunded made the entire process incredibly straightforward. We received our funding within 24 hours, which allowed us to seize a crucial business opportunity. Their team was supportive every step of the way."
Sarah J., Manchester SME Owner
More Than a Lender - Your Growth Partner
Beyond providing funding, we offer tools that help businesses become stronger and more efficient, including our free SME business health check to help identify ways to reduce costs, optimise operations, and improve cashflow.