Lendly — working capital for UK small businesses

Sectors

Lending shaped around how your trade earns

A café, a joinery and a wholesaler all have different cash cycles. Our underwriters know the patterns and set terms that fit your peaks and quiet months.

Apply now Talk to an underwriter

Kettle & Crumb Ltd

Offer AP-00412 · Band B

Offer

£45,000

12 months · 11.99% APR · valid 14 days

Monthly

£3,997.99

You receive

£44,100.00

Accept offer

Retail & e-commerce Hospitality Construction & trades Wholesale Health & beauty Transport & logistics

Typical loans this year

Online homeware shop

£30,000 · 6 months · 11.99%

£5,176.31

a month

Seaside café refit

£60,000 · 18 months · 14.99%

£3,742.81

a month

Joinery – two new vans

£90,000 · 24 months · 11.99%

£4,236.20

a month

Food wholesaler stock

£150,000 · 12 months · 8.99%

£13,117.03

a month

By sector

Terms that follow your cash cycle

Seasonal businesses usually choose shorter terms to clear the loan after the peak. Asset purchases suit longer terms. Either way the rate is fixed and the repayment never changes.

Work out your repayment

Retail & e-commerce

Stock up before Black Friday or Christmas and repay over 3 to 9 months as the orders ship.

Hospitality

Refits, kitchen kit and summer staffing for cafés, pubs and restaurants, with terms up to 24 months.

Construction & trades

Vans, tools and materials for the next contract, so you are not funding the job out of your own pocket.

More sectors

We lend across the UK economy

If you are a UK limited company trading for at least a year with £8,000 a month coming in, we would like to hear from you.

Wholesale & distribution

Larger stock orders and supplier discounts for early payment. Established wholesalers often qualify for band A at 8.99% APR.

See rates

Health, beauty & clinics

New treatment rooms, equipment and fit-outs for salons, opticians, dental and physio practices.

See rates

Transport & logistics

Deposits on vehicles, fuel cards and covering the gap while large customers pay on 60-day terms.

See rates

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.