Capital Finance Group
Business Loans
A short-term business loan provides a lump sum that is repaid over a relatively brief period, typically a few months up to a few years. It is designed for businesses that need funds for a specific purpose without committing to long-term debt, and many facilities can be arranged without property security.
Business Loans
Because short-term lending is available from a wide range of providers, terms can vary considerably. We help you compare facilities on the total cost and the repayment structure, so the loan supports your business rather than adding pressure to it.
Who it suits
- Bridging a temporary cash flow gap or seasonal dip
- Funding a one-off opportunity, such as a bulk stock purchase or new contract
- Covering unexpected costs, equipment repairs or an urgent outlay
- Established trading businesses that want a straightforward, fixed-term facility
How it works
- Funds are usually advanced as a single lump sum and repaid in fixed instalments, often monthly
- Many lenders offer unsecured options, assessed mainly on trading history, turnover and bank statements
- Applications are often streamlined, with decisions based on recent accounts and bank data
- Secured options may be available for larger amounts or to improve pricing
Things to consider
- Short-term borrowing can carry a higher overall cost than longer-term finance, so compare the total amount repayable, not just the monthly figure
- Personal guarantees from directors are common, even on unsecured facilities
- Check for arrangement fees and whether early settlement is permitted without penalty
- Make sure the repayment schedule is realistic against your forecast cash flow
Need working capital for a specific purpose? Speak to an expert and we will help you find a facility that fits.
Finance is subject to status and lender criteria.
Ready to enquire about a business loan?
Tell us how much you need and what it is for. A specialist will guide you through the next steps.
Apply Now