Wine making business grown using a small 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!

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.


Definition of a small business loan

“A small business loan is a loan, usually unsecured, provided to a small business as a sum of capital and repaid in affordable monthly payments that include interest. ‘Small business’ normally refers to a business with a turnover of less than £6.5m and less than 50 employees.”

Small businesses can run into cash flow problems for all kinds of reasons, from seasonal dips in trade to unexpectedly rapid expansion, and sometimes it can be hard to find the finance you need to push your company forward. At Access Commercial Finance, we can find small business loans that can be used for any purpose from snapping up stock to capitalising on an advertising opportunity.

Retailer owner helped using small business loanA small business loan could prevent your business becoming another statistic reported in October 2014 that research conducted by major insurer RSA had found that a startling 55% of UK SMEs fail within the first five years. source?, this combined with the Bank of England Trends in Lending Report January 2015 indicting that net business lending remains negative, means, it’s likely that restricted access to finance is one of the biggest causes of these failures. If your business cash flow is not looking as healthy as it could, and it’s holding you back, talk to us about how a business loan could help.

Small business loans are the most straightforward form of finance if you need a short to medium term boost. They are usually unsecured and you could get between £1000 and £200,000.  We will work with you to try to find the most affordable repayment terms for you.

Small Business Loans eBook banner

Looking at future ambitions, as well as past performance

At Access Commercial Finance, we specialise in finding finance that other financiers often don’t look for, so even if you have had business loans turned down in the past – either because of a lack of solid trading history or a less-than-perfect history – we might still be able to help. While we will take into account your previous performance, we are also interested in your future ambitions, business assets, projections and plans for growth. We like to get to know your business and its trading patterns, so that we can obtain a package that is both realistic and affordable.

If you’re running a small business and you need a financial boost, we know that you probably need it fast, whether it’s to capitalise on an amazing opportunity or to provide a quick stopgap of working capital. If you have all the information to hand that a lender needs and you fit within their lending criteria, once your application is approved, funds could be in your account in as little as 48 hours.

A small business loan is a a great way to get a straightforward, short to medium-term boost if you are operating a business with a turnover of less than £1m. Some of the solutions we have provided include:

  • Small business loans for holiday apartments
  • Small business loans for retailers.
Business Loans Checklist banner

Running a small business is never easy, and most companies need to bolster their bank accounts from time to time to propel their ambitions forward. Talk to us on 03330 069 141 to see if a small business loan could provide the cash injection you need to realise the big dreams you have for your small business.

Before taking an unsecured 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.

Our Latest Blogs

  • Construction Finance: Funding Challenges & Solutions

    Securing mainstream construction finance was never a simple enterprise, but it’s actually getting harder. This is especially true in the UK, where scrutiny from lenders has intensified over recent years, making it trickier and more time-consuming than ever for construction firms - even those with a healthy order book and a history of sound financial conduct - to secure the finance they need to grow.

  • Engineering Finance: Which Funding Option Is Right For Your Business?

    The success of your engineering business often comes down to getting the right funding at the right time. Should you invest in sales or technology? Have you identified new products or new economic territories? What are your funding options and how should you be using them?

    UK engineering firms are continually praised for their engineering excellence and there is a strong tradition to maintain. Current engineering feats like Crossrail, Leeds’ new £45m flood alleviation scheme, the new Forth road bridge and the Olympic Stadium show that British engineering ability is still as innovative today as it was in the time of Brunel.

    But it isn’t without its difficulties and finding appropriate finance is often at the very heart of meaningful progression and innovation.

    There is a real need for flexible finance to react to the changing market conditions, which includes the current uncertainty of an EU trade deal as well as the opening up of other overseas markets.

  • 8 Ways Unsecured Loans Can Help Your Construction Business Thrive

    The importance of finance within the construction industry cannot be understated. Not least because it is the most competitive and payment-delayed industry in the UK. Understanding how the financial challenges affect your business is just the start.

  • What Is Commercial Property Finance and Should You Invest?

    There aren’t many cash buyers when it comes to commercial property development. Anyone involved in this sector usually requires large-scale finance for their projects. Are you looking to develop a commercial project and if so should you even be looking to invest in property development?

    If you’d like to understand whether you want to invest in commercial property, you need a clear distinction on what a commercial property is, how it will be developed and whether you can afford to purchase it. Then, you need to consider whether taking commercial development finance is right for you and if the economic forecast makes it a good time to invest.

Hot from Twitter

An £85,000 funding boost provided by Access Finance has helped Peters Department Store in Huddersfield, by revitalising their brand and refitting their new premises. Find out more at…

About 15 hours ago from Access Commercial's Twitter via HubSpot · reply · retweet · favorite

Contact Access Commercial Finance Today