Inspired Finance Business Loans

- Inspired Finance has secured over £38 million in Finance for UK SMEs
- Highly experienced team of client managers with established track records within the UK Invoice Finance industry
- They've helped thousands of UK SMEs navigate the commercial finance space to find the best options every year
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EJ Finance
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
1 months to 10 years
Company details
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
Eligibility criteria
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Funding Circle
- Borrow £50,001 to £500,000 with the Government's CBIL scheme
- Nothing to pay until 2022 - No upfront fees - No early settlement fees
- Simple online application & decisions in as little as 5 hours
- Rates between 1.8% and 7.4% APR
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Minimum Turnover
£200,000+ p.a.
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Available Amounts
£50,001 to £500,000
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Available Terms
2 to 5 years
Company details
- Funding Circle, supporting small businesses for over 10 years
- Used by over 57,000 UK businesses
- All Funding Circle do is small business, as a result 9 out of 10 of their businesses would come back first next time
Eligibility criteria
- UK-based business - 3 years of trading history - Adversely affected by coronavirus
- Loan primarily for trading in the UK
- Annual turnover from £200K+ up to £45 million - Over 50% of turnover from trading activity (e.g. not from investments)
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Swoop Funding
- Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating
- Experts in CBILS – borrow from £50k to £250k with no personal guarantee, no fees, no repayment for 12 months, no early settlement fee
- Speak to Swoop's team of experts – five-star Trustpilot rated
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£1,000 to £10,000,000
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Available Terms
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Eligibility criteria
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Fluidly
- Instantly see funding products your business is eligible for, from across the market (no credit checks)
- A dedicated 5-star rated Funding Specialist on hand to support your application end-to-end (no hidden fees)
- Range of products available including CBILS, unsecured loans and asset financing
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Minimum Turnover
£100,000 p.a.
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Available Amounts
£50,000 to £10,000,000
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Available Terms
1 to 10 years
Company details
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
Eligibility criteria
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
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Fleximize
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Rates from 0.9% per month (10.8% per annum), with no additional fees
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£5,000 to £500,000
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Available Terms
3 months to 4 years
Company details
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Apply online in minutes, receive funds in as little as 24 hours.
Eligibility criteria
- Minimum annual turnover of £60,000 p.a.
- Borrow between £5,000 and £500,000
- Business activities must be UK-based and impacted by Covid-19
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Portman Asset Finance
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
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Minimum Turnover
£150,000+ p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
Up to 5 years
Company details
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
Eligibility criteria
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated CBILS specialist account managers
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Selina Finance Business Loans
- Specialist digital lender offering secured business loans and flexible credit lines
- Apply online and get a personalised loan offer in just 15 minutes
- Secured loans with no fees or early repayment charges
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Minimum Turnover
£30,000 p.a.
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Available Amounts
£25,000 to £1,000,000
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Available Terms
6 months to 30 years
Company details
- Specialist digital lender offering secured business loans and flexible credit lines
- Apply online and get a personalised loan offer in just 15 minutes
- No fees or early repayment charges
Eligibility criteria
- Secured property must be residential and have an active mortgage
- Residential property must have a value of more than £50,000
- Homeowner must be based in England, Wales, Scotland or Northern Ireland
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Nucleus
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£3,000 to £50,000,000
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Available Terms
3 months to 8 years
Company details
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Eligibility criteria
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
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365 Business Finance
- A flexible business funding alternative
- Cash advanced against card transactions
- Pay back an affordable % of your card transactions
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Minimum Turnover
£5,000+ card transactions per month
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Available Amounts
£5,000 to £200,000
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Available Terms
4 to 18 months
Company details
- Get between £5,000 and £200,000
- Pay back through your customer card transactions
- A single all inclusive charge that never changes
- No interest, APRs or hidden extras
Eligibility criteria
- Your business must have been trading for at least 6 months
- Your business must accept debit and credit card payments
- Your business must take at least £5,000 per month in card transactions.
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Inspired Finance FAQ
Who is Inspired Finance?
Inspired Finance is a financial services provider that connects customers with leading finance providers in the UK, including those who are not available on the high street. As an independent entity, it offers its clients a range of options and claims to provide solutions to complex financial needs across different sectors, such as commercial property and development finance.
Is Inspired Finance a lender?
Inspired Finance is not a lender. It functions as an independent company that facilitates loans between lenders and borrowers, assisting in applications. Any financial transactions will take place directly between the lender and the borrower.
Which lenders does Inspired Finance work with?
Inspired Finance works with a range of highs street lenders, as well as other financial providers in the UK who are not available on the high street. These include Santander, Barclays, Satago, United Trust Bank, Funding Circle, Investec and Paragon.
What products and services does Inspired Finance offer?
Inspired Finance offers a range of financial services including commercial finance, invoice finance, development finance, cash flow finance and business loan options.
How does invoice finance work with Inspired Finance?
This product allows businesses to generate cash against the value of their outstanding invoices. Businesses who expect payments from their clients and customers can receive finance covering up to 90 per cent of their unpaid invoice from £3,000 with no maximum limit.
What features does Inspired Finance offer its clients?
Inspired Finance offers its clients online management tools for some of its services allowing clients to check and manage their funds 24/7.
Who can use Inspired Finance invoice financing?
Inspired Finance offers invoice factoring services to several different sectors such as haulage, manufacturing, recruitment, wholesale, couriers / logistics, printing / publishing and construction.
How do I apply for Inspired Finance invoice financing?
To apply for invoice financing with Inspired Finance, you can click on the comparison grid and navigate to the company’s website. You can then click on the applicable link and submit your information to request a quote for your specific circumstance. This will require information such as your most recent management accounts, director history and other relevant business details. Inspired Finance will then process your details and get in touch with you.
How will Inspired Finance process my application?
Inspired Finance will process your application for invoice financing once it has been submitted and perform the necessary due diligence. Clients can expect to receive funds immediately after approval is granted, which could happen on the same day or up to several weeks later, depending on the individual circumstance.
How does Inspired Finance vet borrowers?
Inspired Finance uses a matching algorithm to put businesses in contact with the most appropriate lenders. Lenders will also undertake their own due diligence to confirm that the introduction was suitable and that the information provided is correct before the lending process is initiated.
Are there any restrictions?
Inspired Finance requires clients to have a minimum of £50,000 turnover per annum with businesses required to apply from within UK, excluding the Channel Islands.
Do any additional fees or charges apply?
There are currently no additional fees or charges when using Inspired Finance’s invoice finance services.