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Manufacturing equipment purchased with a business loan

Business Loan Calculator

We like to keep things simple.  We don’t like hidden fees or surprises!
Use our calculator to give you a guide to how your business loan could be structured.
Remember: we can often beat these rates depending on your circumstances.

  • Select how much you want to borrow

  • £ 1,000 £ 200,000

  • Select the term of your loan

  • 1 Month 24 Months

Apply today to get the cash injection your business needs!





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This calculator tool is merely a guide and does not constitute a contract.
Access to finance will be assessed prior to any agreement being made to provide a finance facility.

Simple, quick and transparent Business Loans

From machinery to marketing, new premises to working capital, there are a multitude of reasons why you might need a business loan to bolster your growth.

A business loan could give you the short to medium term lift to buy that hi-tech equipment, which puts you ahead of your competitors, or it could fund a fit-out to make your premises a better representation of your brand.

Whatever the reason for needing a business loan, and however your financial history has played out in the past, it’s worth talking to us to find out if we can help now.

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Our clients are always impressed with the time that we take to get to know their company before we offer business finance – we like to understand what makes your venture tick to ensure that we’re offering a loan package that will work for you, and crucially, that you can afford to repay.

Types of business loans

At Access Finance, we have provided unsecured business loans and business cash advances to almost every type of firm, from nightclubs to restaurants, and retailers to car dealerships.

We also provide a full range of secured loans where business finance solutions can be secured against assets, invoices, commercial property and future trade.

We have financed nearly every scenario, and we’ll always try to structure a business loan that suits you and your unique situation. Any bespoke financial solution we create for you takes into account your industry and the ebbs and flows of your trade.

Business loans based on your potential not your past!

We are particularly good at providing solutions for difficult situations, whether that is because your trading history is not as comprehensive as some of the high street banks think it should be, or because you have a chequered financial past. Talk to us about business loans even if you have been turned down by other lenders previously – you might be surprised to find that we can help. Unlike many of our counterparts, we are as interested in your potential, as we are in your past, and we don’t refuse loans just because you don’t fit rigid, computer-determined criteria.

Our clients are always impressed with the time that we take to get to know their company before we offer business finance – we like to understand what makes your venture tick to ensure that we’re offering a loan package that will work for you, and crucially, that you can afford to repay.

If you’re looking to quickly borrow up to £200,000, that you can repay within 1 month to two years, then a fast business loan may be the right solution for you.

Whether you’re looking for funds to facilitate rapid expansion or a boost to invest in better technology, we can probably provide a loan that could help. Call us today on 03330 069 141 to see if we can lend you the cash to cement your business growth.

Our business loans could help companies in almost any sector, who are looking for a straightforward, medium-term financial boost that is usually unsecured. Some of the most common loans we have provided are:

  • Business loans for retail
  • Business loans for restaurants
  • Business loans for nightclubs
  • Business loans for manufacturing

Before taking a business loan out, please make sure that you can afford the monthly repayments as failure to keep up with repayments could affect yours or your businesses creditworthiness, which may affect your ability to obtain credit in the future.

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Our Latest Blogs

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    Your stock management runs parallel to your cash flow. Treat it right and it can grow in value, but manage it badly and you'll pay for it. Effective stock control affects how you manage your finances. To get it right and take advantage of your business opportunities means making your operations as streamlined as possible. You can start with managing your stock better and a clear benefit of doing so is more attractive finance opportunities with business funding in the UK.

  • How To Survive Employee Wage Demands

    How do employee pay demands affect business finance and how can you achieve happy, contented staff without having to pay through the nose to get it? We take a look at the issues affecting employers when confronted by employee wage demands and what you can do to put yourself in the best position to address them.

    Setting Employee Salaries

    Receiving increased wage demands from employees can be a delicate balancing act. On the one hand you risk paying them too little and losing talent to competitors, and on the other you risk paying them too much and crippling the finances of your business.

    Having the ability to set salaries correctly from the start is a benefit new businesses can control, and it can help align your business finances to cope with increases in the future, as well as ensuring that you are within industry-standard tolerances. If your cash flow is healthy and your finances are good, then you may consider paying above industry standard in order to attract the very best talent, but that still leaves you with the same increased employee wage demands in the future.

    Most business owners want to attract good talent and pay them fairly. But how can you set salaries that reflect the best-of-both-worlds scenario?

    Determining the relative value of each employee

    Ask yourself, 'how much value or revenue is each employee likely to bring in?' This should be the uppermost of what you can pay that employee.

    For a sales person tasked with generating revenue with a profit of £250,000 per year, you might well be looking at paying them £50,000 + commission and benefits.

    But the same formula might not be used for admin or support staff. Perhaps they don't make money, but they will save you some. Working out how much they can save your business is the key to working out their relative and fair salary expectations. It can certainly help you figure out the most amount of money their position is actually worth.

    Finding common ground in salary expectations

    There are many ways you can set about establishing either the market rate for that position or the least you are willing to pay them. Taking a look at similar jobs from online job-sites is one, and discussing employee wages amongst your networking meet-ups is another.

    The chances are you won't be willing to pay top-rate for candidates, but you probably won't want to pay the minimum either, because as the saying goes 'when you pay someone peanuts...'. It is highly likely that you will be looking at a salary somewhere in between, where you are more likely to find the best talent, willing to work for a mutually commensurate salary that fits in with your business finance projections and budget.

  • Tips For Managing Business Assets

    Your assets are not only important, but they also change during your business’s lifetime. Identifying, monitoring and keeping track of them can help you when it comes to assessing your business funding opportunities in the UK.

    Business Assets Are Important

    Business assets add value to your business. Your assets can be both tangible and intangible and at first sight they do two jobs, firstly they can help you get business funding by helping to secure finance, and secondly they are the intellectual driver of your business idea.

  • How To Plan For Auto-Enrolment With Business Finance

    For many SMEs and business owners the prospect of setting up the workplace pension scheme has been fraught with additional costs, labour time and effort. But the risks of not doing so are much heavier. Here is a guide to how auto-enrolment dates will affect your new business and how you can use small business finance to balance the costs.

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