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.

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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.
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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 Better Manage Your Stock

    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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