THINK Business Loans

Think Business Finance Business Loans logo
  • Think Business Loans allows businesses to compare offers from different lenders. Find out about the products they compare, whether they might suit your business, and how to apply.
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Last updated on 30 June 2022.

Think Business Loans is a business loans broker that can help businesses find finance for their growth plans and ambitions.

Using its iFund technology, Think Business Loans compares loans and lenders to find one that matches your needs and requirements. They can compare a variety of finance solutions, including asset finance, business mortgages, secured and unsecured business loans.

Discover how Think Business Loans could help you find funding, find out whether you meet the eligibility criteria, and learn how to apply.

Who is Think Business Loans?

Founded in 2012, Think Business Loans is a comparison service that uses technology to compare lenders to match your business with the right funding solution.

To date, Think Business Loans has helped more than 5,000 businesses secure over £450 million in funding. It was acquired by business comparison group Bionic in 2019.

What services does Think Business Loans offer?


iFunds is the technology that Think Business Loans uses to match you to suitable loans and lenders.

Asset finance

Asset finance allows you to fund the purchase or rental of expensive assets such as heavy machinery and vehicles.

With Think Business Loans, you can compare a variety of asset finance types, including equipment leasing, hire purchase, finance leases, operating leases, and asset refinance.

Before applying for asset finance, you should know how much you want to borrow and what assets you want to buy or refinance.

» COMPARE: Asset financing

Bridging loans

A bridging loan is short-term finance that’s generally used for development and property projects. As it’s short-term, you’ll pay a monthly interest rate.

Commercial mortgages

These long-term loans potentially allow you to access a percentage of a property’s value. They’re secured against your property and repaid over a period of time, usually years.

Think Business Loans compares owner-occupied mortgages, which means that you’re using the property that the mortgage is secured against for your own business, and commercial investment mortgages if you’re renting the property to someone else.

Secured business loans

These are loans that are secured against your assets, which reduces the risk to the lender. They’re generally used to fund the buying of commercial property, major growth plans, or office refurbishment.

You may be able to use commercial property, vehicles, land, equipment, and even fittings and fixtures as security when taking out a secured business loan.

Unsecured business loans

An unsecured business loan allows you to take out a loan without securing it against any personal or business assets.

You will, however, be subjected to checks on your financial history, cash flow and credit rating, and you may have to give a personal guarantee that you’ll pay off the loan if your business is unable to.

You can use an unsecured business loan for anything from starting a business to buying equipment or improving your cash flow.

» COMPARE: Business loans

How to apply for finance with Think Business Loans

You can apply for the Think Business Loans comparison service online. You just need to provide some basic information about your business, which will be used to match you to suitable loans and lenders.

Once an appropriate solution has been found, an account manager will help you understand your options, manage your application and answer questions you might have.

Think Business Loans will run a soft credit check on your business. Unlike a hard credit check, a soft credit check doesn’t leave a record on your credit file.

You can track your application and check your credit score using the Think Business Loans app.

What information will I need to apply?

In order to apply for a Think Business Loan, you need to have the following information to hand:

  • how much funding you need
  • when you’re looking to receive the funds
  • what the finance is for
  • the name of your business
  • the number of years you’ve been trading
  • the previous year’s turnover
  • your contact details
  • supporting documents, such as bank statements as evidence of your finances

How long does the process take?

Think Business Loans aims to deliver funds within 24 to 36 hours, though this can vary depending on the lender, the amount you want to borrow, and the type of loan you’re taking out.

You can help the process move more quickly by providing your supporting documents – which act as evidence of your finances – as soon as possible.

What do their customers say?

Think Business Loans has been rated 4.8 out of 5 by 1,282 reviewers on Trustpilot.

ThinkApp, Think Business Loans’ app, has been rated 4.2 out of 5 by 109 reviewers on the App Store.

This information is correct as of 22 June 2022.


The comparison service offered by Think Business loans is free and you could use it to compare providers of asset finance, bridging loans, commercial mortgages, recovery loans, and secured and unsecured business loans.

You can apply to use the service online. You’ll just need some information to hand, including how much funding you need and what it’s for, and information on your business and its trading history.

An account manager will guide you through the process, and Think Business Loans says that it aims to have the loan within your account within 24 to 36 hours.

Think Business Loans FAQs

How much can I borrow from Think Business Loans?

The amount you can borrow through Think Business Loans varies from lender to lender, and will depend on a number of factors including the current credit status of your business.

What business loan rates do they offer?

Think Business loans are brokers and so the rates you’re offered will depend on which lender you choose, your credit score, the type of loan you want to borrow, and the size of the loan you want to take out.

Can Think Business Loans provide bad credit finance?

You may be able to get bad credit finance through Think Business Loans. Just speak to the comparison service’s team and they can help you find a loan that’s appropriate for your circumstances.

Services offered by this provider may change over time. Always check Ts&Cs.