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

  • How To Conduct A Business Valuation

    There are many good reasons to look at valuing your business, whether it is to sell it, seek equity investment or apply for business finance. Just make sure you do your homework, prepare all your documents and understand exactly what is at stake.

  • How To Minimise Losses Using Business Rescue Loans

    It's not just small businesses and SMEs that need business rescue loans to get themselves out of a pickle, it happens to large corporations as well. It also happens to financial entities a whole lot bigger too.

    Take the case of Italian bank Veneto Banca, it recently needed over €17 billion euros in order to avoid closure and risk even more euros being sacrificed via Italian fiscal policy.

    Worse still was the Greek crisis, which lead Germany, France and Italy to lend over €360 billion via the IMF, European Central Bank and the European Commission. And still that hasn't worked (or ever was going to work).

    So having unenviable finances, or a business strategy that isn't working, doesn't just apply to businesses that find themselves on the wrong side of economic terms. Whether it's being on the wrong side of the pound when imports outweigh exports, or when incoming receivables are outweighed by supplier invoices. Every business has the potential to find themselves on the wrong side of the finance equation, so what are your options?

  • How To Innovate And Grow Using Manufacturing Business Loans

    UK manufacturing is a crossroads. Brexit and the value of the pound offers global expansion opportunities, but there are also financial constraints to growth still stopping industry innovation. Having more open access to manufacturing business loans can help bridge this gap and promote British manufacturing on a global level.

Hot from Twitter

Contact Access Commercial Finance Today