Working capital for UK businesses, decided by people
Borrow £5,000 to £250,000 over 3 to 24 months. One fixed monthly repayment, one arrangement fee taken from the payout, and no penalty for settling early.
Fixed-rate loans for limited companies that have traded for a year or more. No personal guarantee under £25,000, no early-repayment penalty and no hidden extras.
Apply
Apply in minutes, hear back from an underwriter
Tell us about the business and what the money is for. Your band and rate come from your trading history and turnover, and a named underwriter reviews every application, usually the same day.
Every instalment is listed in your account with its due date and the interest inside it. Pay in one click, and settle early for the remaining principal plus one month of interest.
From £5,000 to £250,000. The amount is capped at three months of turnover and the repayment at 15% of it, so the loan fits the business.
Stock & seasonal peaks
Buy ahead of your busiest months and repay as the takings come in, over as little as 3 months.
Equipment & vans
Spread the cost of ovens, machinery or vehicles over up to 24 months at a fixed rate.
Cash flow & hiring
Bridge slow-paying invoices or take on staff before a big contract starts paying.
Built in Britain
A lender that knows your high street
Our underwriters are based in Manchester and Edinburgh. We read your accounts, ask sensible questions and tell you plainly why an offer is what it is. Every number on this page comes straight from our live loan book.
£7,591,500
lent to UK businesses
209
loans funded
13
average hours to a decision
Customer stories
What borrowers say
“We borrowed £38,000 for a second oven and had the money four working days after applying. The repayment was exactly what the calculator said.”
Priya Shah
Founder, Kettle & Crumb (Leeds)
“An actual underwriter rang me about our order book. No black box, no surprise fees, and we settled early without a penalty.”
Tom Hargreaves
Director, Hargreaves Joinery
“The offer was a little lower than I asked for, but they explained why and the monthly payment fits our turnover comfortably.”
Aisha Okafor
Owner, Northlight Opticians
“Stock for the Christmas peak, paid back over nine months. The schedule in the account shows every instalment and what is left.”
Callum Reid
MD, Reid Wholesale (Glasgow)
“One arrangement fee, taken from the payout, and a fixed rate. It is the first business loan I have fully understood before signing.”
Sofia Marin
Co-founder, Loop Cycles
“We needed two new vans quickly. Applied on Monday, offer on Tuesday, accepted from my phone the same evening.”
Ben Whitaker
Owner, Whitaker Plumbing & Heating
“Paying an instalment takes one click and the late fee rules are written in plain English. We have never needed them.”
Hannah Lloyd
Finance lead, Fernhill Garden Centre
“Our second loan was quicker than the first because Lendly already knew the business. The band improved as our turnover grew.”
Marcus Bell
Founder, Bellwether Coffee Roasters
Funding that keeps pace with your business
Check your rate in two minutes. Applying does not affect your credit score until you accept an offer.
