Business Loans in London
If you're trading in London and need capital — for stock, premises, vehicles, hiring, or buying another business — we'll structure it. We work with lenders comfortable with businesses across a metropolitan core market and have direct desk relationships at most of the names you'd expect.
Local context
Why London is a market we know
London sits in a metropolitan core market. Prices are higher and competition is sharper, so deals move on speed and structure. Mixed-use stock, period conversions and prime office space dominate, and lenders pay close attention to covenant strength and exit clarity.
Structures we arrange
Business Loans options for London
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.
"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."
Typical London use cases
- Private bank lending for HNW clients
- Development exit finance
- Stock-purchase facilities for trading businesses
- Premises fit-out and refurbishment loans
Nearby areas we cover
Business loans across the Greater London area
We arrange business loans for clients across London and the surrounding towns, typically within a short drive of the M25 corridor.
London FAQs
Common questions about business loans in London
Will lenders care about my sector?+
Yes — some sectors (hospitality, construction, transport) attract more cautious underwriting. We approach lenders most comfortable with your sector to avoid wasted applications.
What rates should I expect?+
Rates vary widely with covenant — established profitable London SMEs may price from circa 8% p.a.; weaker covenants or shorter trading history can run materially higher. We'll quote the realistic range.
Can a sole trader borrow?+
Yes — sole traders and partnerships can access many of the same products as limited companies, though terms and limits vary.
Do I need security?+
Not for most loans up to £250k — unsecured business loans are widely available for established London businesses. Beyond that, secured lending widens choice and lowers cost.
Can you arrange acquisition finance?+
Yes — MBO, MBI and trade acquisition funding is one of the more interesting parts of what we do. Structure typically blends term debt with vendor consideration and sometimes mezzanine.
Can I borrow for premises fit-out?+
Yes — fit-out, refurbishment and equipment installation are all eligible. The right product depends on scale: small fit-outs often suit unsecured loans; larger projects may suit secured facilities.
In summary
Next steps for London
Finance arrangements move on detail — security, structure, exit, covenant. A page like this can only set the scene. If you have a live London requirement, the fastest path forward is a short conversation. We'll give you a candid view and, if it fits, indicative terms inside 24 hours.
Indicative terms in 24 hours
No upfront fees. No pressure. A clear answer either way.