Lendly — working capital for UK small businesses

How it works

From application to money in the bank in four steps

Register your limited company, choose an amount and term, and a named underwriter reviews it. Accept the offer and the money, less one arrangement fee, lands the next working day.

Apply now Talk to us

Band A · Established

5+ years, £80,000+ a month

Band B · Growing

3+ years, £40,000+ a month

Band C · Developing

2+ years, £20,000+ a month

Band D · Early

1+ years, £8,000+ a month

The process

What happens after you press apply

Every step is visible in your account, with the same numbers our underwriters see.

1. Register your business

Add your company number, sector, incorporation date and average monthly turnover. Your band (A to D) is worked out from how long you have traded and how much you turn over.

Company number09876543

Trading sinceMarch 2019

Monthly turnover£62,000

BandB · 11.99% APR

2. Apply

Choose £5,000 to £250,000 over 3 to 24 months. We check affordability up front: repayments up to 15% of turnover, amount up to three months of it.

Amount£45,000

Term12 months

Monthly£3,998.15

3. Underwriter review

An underwriter takes your application and approves, adjusts or declines it with a reason. Offers can be lower or priced in a worse band, never higher.

StatusIn review

UnderwriterGrace Whitfield

DecisionSame day

4. Accept and get paid

Offers stay open for 14 days. Accept in your account and the loan starts today, with the first instalment due one month later.

Payout£44,100.00

Fee (2%)£900.00

First instalmentin 1 month

Early settlementAny time

Fair by design

The rules we lend by, in plain English

Fixed rate for the life of the loan, monthly instalments on the same day each month (the 28th at the latest), and a schedule you can see from day one.

See today’s rates

LN-2026-00087

Active

#1 · 2026-04-14

£3,421.28

#2 · 2026-05-14

£3,421.28

#3 · 2026-06-14

£3,421.28

#4 · 2026-07-14

£3,421.28

#5 · 2026-08-14

£3,421.28

#6 · 2026-09-14

£3,421.27

Pay #3 now

Settle early

One fee, shown up front

2% of the loan with a £250 minimum, taken from the payout. No monthly fees, no exit fees.

Pay in order, no surprises

Instalments are paid in order. If one is more than 3 days late we add a single £25 fee, never compound interest.

Settle early and save

Pay the remaining principal plus the next month of interest and the loan is closed. The rest of the interest is yours to keep.

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.

Apply now See our rates

2026 Lendly Capital Ltd. Lending to UK limited companies only.