Business Loans in Cambridge
A business loan in Cambridge is rarely about ticking boxes — it's about the lender understanding your sector, your seasonality and your security. We work with high-street banks, challengers and specialist funders, picking the right fit for a Cambridge business rather than the first that says yes.
"Floyd's experience shows. He matched us with the right lender first time and held our hand through completion. We'd been quoted twice as long elsewhere."
Structures we arrange
Business Loans options for Cambridge
Secured term loan
Typical size £10k – £5m; timeline 2–6 weeks.
Unsecured term loan
Typical size £10k – £5m; timeline 2–6 weeks.
Merchant cash advance
Typical size £10k – £5m; timeline 2–6 weeks.
Revolving credit
Typical size £10k – £5m; timeline 2–6 weeks.
About the Cambridge market
Cambridge in context
Geographically, Cambridge sits in Cambridgeshire (East of England), connected by the M11 and with the CB1, CB2, CB4 postcode footprint covering most of the urban core. Student demand drives HMO and PBSA-adjacent investment. Period stock dominates the lettable market, and operators with strong management track record can stretch leverage further than first-time landlords.
Cambridgeshire · East of England · postcodes CB1, CB2, CB4 · M11
Common scenarios
What business loans typically funds in Cambridge
Cambridge FAQs
Common questions about business loans in Cambridge
Are loans available for Cambridge businesses with recent dips in profit?+
Yes — many lenders look past one weak year if the trend has corrected or the cause is explainable. We'll position accordingly.
Will a personal guarantee be required?+
For most SME lending in Cambridge, yes — director PGs are standard. We'll always explain the scope before you sign and look at PG insurance options where appropriate.
Are there free quotes?+
Yes — we don't charge to quote, and our broker fee only applies on successful completion. Lender-side fees are disclosed upfront.
How much can a Cambridge business borrow?+
From £10,000 unsecured upwards, with secured lending into the millions. The honest answer depends on trading history, profitability and security available.
How is affordability calculated?+
Most lenders model EBITDA against debt service — typically wanting 1.25–1.5x cover. We'll model it for you before applying so you know where you stand.
Can you arrange loans for a holding or property company?+
Yes — SPV and holdco lending is regularly arranged, particularly for property-rich groups in Cambridge.
Nearby areas we cover
Business loans across the Cambridgeshire area
We arrange business loans for clients across Cambridge and the surrounding towns, typically within a short drive of the M11 corridor.
Working in or around Cambridge?
We cover Cambridge, Peterborough and the wider Cambridgeshire market with the same speed and the same panel.
In summary
Next steps for Cambridge
Cambridge is a market we know well, and business loans is a product we arrange routinely across Cambridgeshire. The pages on this site set out the broad shape — but every deal is different, and the only way to know what's actually possible is to talk through the specifics. Get in touch when you're ready.