A new contract, a busy season or a growth opportunity can put pressure on cash flow. Brooks Beckman helps UK SMEs explore business loans with a clear view of the purpose, repayments and wider funding picture.
Support day-to-day cash flow while you work towards your next milestone.
Plan for the upfront costs of orders, materials or taking on new work.
Explore funding for expansion, recruitment or improvements to the way you operate.
A lender advances an agreed amount, which your business repays over a set term with interest and any applicable fees. Repayment frequency, term and pricing vary by lender. Unsecured business loans do not normally require a specific business asset as security, but lenders may still require a personal guarantee. Secured loans involve security over an asset.
We begin by understanding what the money needs to achieve and when it is needed. A loan may be one route; asset finance or invoice finance may be worth discussing where the need relates to equipment or unpaid invoices. We use your plans and financial position to help shape the approach to lenders.
Look beyond the headline repayment. Consider total interest and fees, the repayment schedule, early settlement terms and any security or guarantee obligations. A personal guarantee can make you personally liable if the business cannot repay. The amount you request should be supported by a realistic repayment plan, including quieter trading periods.
Yes. Tell us about your business and funding needs so we can explore the available routes. Eligibility, the amount available and any personal guarantee requirements depend on the lender’s assessment.
Credit history matters, but it is one part of the wider picture. Explain any issues openly so we can understand the circumstances and approach potential funding routes with accurate information.
Some decisions can be made within hours, but timing depends on the lender, the information provided and any further checks. Tell us your deadline at the start so we can plan around it.
Further reading: Business loans explained — British Business Bank ↗
General information reviewed 19 October 2026. Product availability, eligibility and terms vary by lender.
Start with your business. Let’s explore the next step.