- Business Loans
- Lloyds Business Loans
Lloyds Business Loans

- Lloyds offer a range of financial solutions for businesses in the UK. Find out what options are currently available and how to apply.
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Funding Options Unsecured Loans
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Minimum annual turnover£60,000
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Available amounts£10,000 - £500,000
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UK Available terms6 months - 6 years
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Funding Options Short Term Loans
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Minimum annual turnover£50,000
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Available amounts£1,000 - £500,000
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UK Available terms3 months - 2 years
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Funding Options Secured Loans
- Rated excellent on Trustpilot, Funding Options have helped over 21,000 businesses secure over £950m in funding
- It takes minutes to apply, there’s no obligation, and it’s easy to use
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Minimum annual turnover£50,000
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Available amounts£5,000 - £20,000,000
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UK Available terms3 months - 5 years
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Funding Options Asset Financing
- Rated excellent on Trustpilot, Funding Options have helped over 21,000 businesses secure over £950m in funding
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Minimum annual turnover£50,000
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Available amounts£10,000 - £15,000,000
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UK Available terms6 months - 6 years
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Funding Options Credit Lines
- Rated excellent on Trustpilot, Funding Options have helped over 21,000 businesses secure over £950m in funding
- It takes minutes to apply, there’s no obligation, and it’s easy to use
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Minimum annual turnover£50,000
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Available amounts£1,000 - £5,000,000
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UK Available termsNo min/max terms
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Fundably Unsecured Business Loans
- Get tailored funding from 30 leading lenders
- See how lenders may assess your application
- Find the right deal for your business
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Minimum annual turnover£100,000
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Available amounts£1,000 - £2,000,000
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UK Available terms1 month - 5 years
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Fundably Line of Credit
- Fundably provides bespoke matches and tailored feedback on your application, instantly Apply in just 5 minutes with flexible loan amounts - funds often released within hours Funding from over 30 leading UK lenders - get matched to the right business loans for your company in seconds
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Minimum annual turnover£200,000
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Available amounts£20,000 - £150,000
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UK Available terms6 - 9 months
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Fundably Revenue-Based Finance
- Fundably provides bespoke matches and tailored feedback on your application, instantly Apply in just 5 minutes with flexible loan amounts - funds often released within hours Funding from over 30 leading UK lenders - get matched to the right business loans for your company in seconds
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Minimum annual turnover£300,000
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Available amounts£50,000 - £2,000,000
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UK Available terms6 months - 2 years
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Fundably Merchant Cash Advance
- Fundably provides bespoke matches and tailored feedback on your application, instantly Apply in just 5 minutes with flexible loan amounts - funds often released within hours Funding from over 30 leading UK lenders - get matched to the right business loans for your company in seconds
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Minimum annual turnover£120,000
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Available amounts£1,000 - £300,000
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UK Available terms6 - 12 months
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Fundably Invoice Finance
- Fundably provides bespoke matches and tailored feedback on your application, instantly Apply in just 5 minutes with flexible loan amounts - funds often released within hours Funding from over 30 leading UK lenders - get matched to the right business loans for your company in seconds
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Minimum annual turnover£250,000
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Available amounts£1,000 - £1,000,000
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UK Available terms1 - 3 months
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Tide Business Loan
- Tide the leading provider of digital banking solutions allows you to compare business loans without impacting your credit score
- View affordable credit options to suit your business needs and get an instant decision
- Depending on the loan, funds could be available in around 24 hours
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Minimum annual turnover£50,000
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Available amounts£1,000 - £20,000,000
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UK Available termsNo min/max terms
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Barclays Unsecured Business Loans
- Flexible borrowing for your business - unsecured (up to £100,000) and secured loans available
- Fixed interest rates available on all loans, plus variable interest rates for loans over £25,000
- Subject to application, financial circumstances and borrowing history. Eligibility criteria applies
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Minimum annual turnoverNo minimum
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Available amounts£1,000 - £100,000
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UK Available terms12 months - 10 years
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Barclays Secured Business Loans
- Flexible borrowing for your business - unsecured (up to £100,000) and secured loans available
- Fixed interest rates available on all loans, plus variable interest rates for loans over £25,000
- Subject to application, financial circumstances and borrowing history. Eligibility criteria applies
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Minimum annual turnoverNo minimum
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Available amounts£1,000 - No max
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UK Available terms12 months - 25 years
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iwoca Flexi12 Business Loan
- Flexible finance for small businesses from £1,000 to £1,000,000
- No long-term commitments and flexible repayments to fit your business
- Apply online in minutes for a quick decision (some may take up to 24 hours). Applying won’t affect your credit score
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Minimum annual turnover£10,000
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Available amounts£1,000 - £1,000,000
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UK Available terms0 - 12 months
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iwoca Flexi24 Business Loan
- Flexible finance for small businesses from £1,000 to £1,000,000
- No long term commitments and flexible repayments to fit your business
- Apply online in minutes for a quick decision (some may take up to 24 hours). Applying won’t affect your credit score
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Minimum annual turnover£10,000
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Available amounts£1,000 - £1,000,000
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UK Available terms0 months - 2 years
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Swoop Funding Unsecured Loans
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£100,000
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Available amounts£5,000 - £10,000,000
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UK Available terms3 months - 10 years
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Swoop Funding Secured Loans
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£50,000
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Available amounts£10,000 - £50,000,000
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UK Available terms3 months - 35 years
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Swoop Funding Short-Term Business Loans
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£100,000
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Available amounts£5,000 - £5,000,000
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UK Available terms3 months - 2 years
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Swoop Funding Merchant Cash Advance
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£50,000
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Available amounts£5,000 - £5,000,000
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UK Available terms3 - 12 months
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Swoop Funding Working Capital Loans
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£100,000
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Available amounts£5,000 - £10,000,000
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UK Available terms3 months - 10 years
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Broker
Swoop Funding Asset Finance
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£50,000
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Available amounts£5,000 - £50,000,000
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UK Available terms3 months - 10 years
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Swoop Funding Growth Guarantee Scheme
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access to every type of finance including the Growth Guarantee Scheme
- Online management allows you to find funding opportunities and track applications
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Minimum annual turnover£150,000
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Available amounts£25,000 - £2,000,000
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UK Available terms12 months - 6 years
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YouLend Cash Advance
- YouLend is a leading revenue-based finance provider in Europe, partnering with major platforms including eBay & Shopify
- YouLend has funded 150,000+ SMEs globally, including sole traders, partnerships and limited companies
- Apply online in minutes, with decisions typically provided within 24 hours
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Minimum annual turnover£36,000
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Available amounts£3,000 - £1,000,000
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UK Available terms1 - 18 months
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Before you go
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Also for Business
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Lloyds offer small and larger business loans and finance solutions that could be used to manage cash flow, buy new equipment and grow your business.
It also offers overdrafts, business credit and charge cards, invoice finance and financial support for businesses that import and/or export.
Find out more about the key features of Lloyds business loans, whether you’re eligible, and how to apply.
What is Lloyds Bank?
Lloyds Bank has been providing banking services to consumers and businesses since 1765.
Today, it offers a range of business accounts to cater to the needs of startups, small, and larger businesses, as well as insurance, payments solutions, support for international trading, and accountancy software.
» COMPARE: Business bank accounts
What products and services do Lloyds offer?
Small Business Loan
Lloyds small business loans may allow you to borrow in either secured or unsecured finance to invest in growing your business. You could currently choose either a fixed or a base rate, and from flexible repayment lengths.
Larger Business Loan
You could use Lloyds’ larger business loan to borrow for bigger scale investment plans and new opportunities. This is also offered with flexible repayment lengths and if eligible you could choose between fixed and variable interest rates.
» COMPARE: Business loans
Invoice Finance
Lloyds’ Invoice Finance Manager is a selective invoice finance solution designed for businesses with occasional cash flow challenges. As long as you’re a limited business-to-business company, you can currently apply to unlock cash from any unpaid invoice on a pay-as-you-go basis.
» COMPARE: Invoice finance
Business Credit Card and Charge Cards
The Business Credit Card currently allows you to borrow interest-free as long as you pay your balance in full and on time. It may be considered as a useful way for your team to manage expenses, with the ability to issue cards to employees with a spending limit for each one.
If you are looking for a shorter-term credit, you could apply for the Business Charge Card, which doesn’t charge interest as long as the balance is paid in full and on time. There’s no limit to the number of cards you can issue.
Can I get a small business loan with Lloyds?
Lloyds offers secured and unsecured small business loans, with flexible repayment terms.
Key features of Lloyds business loans
- Variety of loans, cards, and alternative finance options available
- Flexible repayment lengths available
- Fixed and variable interest rates available
- Unsecured loans available for some businesses (Limited Companies and Limited Liability Partnerships may need to provide a guarantee)
- Solutions also available for businesses with more than £25m in annual turnover
How do I apply for a Lloyds loan?
If you are an existing Lloyds customer, you can currently apply for a small business loan, a larger business loan and a business card by logging into your online Banking.
If you’re not a Lloyds customer, and you’re looking for a small business loan, you can currently call Lloyds on 0800 056 0056 if your turnover is less than £3 million, or 0800 022 4388 if your turnover is more than £3 million.
If you want a larger business loan, you can currently call 0345 072 5555 if your turnover is below £3 million and call 0800 022 4378 if your turnover is over £3 million.
Am I eligible for a Lloyds business loan?
In order to be eligible for any of Lloyds business loans, you must:
- plan to use the loan for business purposes
- be looking to borrow a minimum amount for the small or larger loans
- be a sole trader, partner, or director with the authority to approve borrowing
- be 18 or older
What do Lloyds customers say?
On Trustpilot, Lloyds bank has been rated 1.5 out of 5 based on 2,740 reviews.
On the App store, the Lloyds Bank Mobile Banking app has been rated 4.8 out of 5 based on 1.5 million reviews. And on Google Play, it’s been rated 4.5 out of 5 based on 269,000 reviews.
This information is correct as of 31 May 2022.
Conclusion
Lloyds Bank offers large and small business loans, invoice finance and credit cards.
Whether you are considering a small loan to buy assets or free up cash flow, or a larger loan to invest in grand expansion plans, you may be able to apply for a Lloyds business bank loan online.
Lloyds business loans offer flexibility, with currently up to 25-year repayment terms available, and the ability to choose between fixed and variable interest rates.
You can contact Lloyds Bank directly to apply for a business loan , it may be helpful to compare it to other business loan and finance providers to ensure you’re getting the best solution for your needs.
Lloyds Business Loan FAQs
Which loan is best for business?
No one particular loan is best for all businesses. Lloyds offers a variety of loans, repayment terms, and interest rate options, so you may be able to find a solution that works for you and your business plans.
What criteria do you need for a business loan?
For a Lloyds business loan, you must be over the age of 18, intending to use the loan for business purposes, and either a sole trader, partner, or director with the authority to agree to a loan.
How much deposit do you need for a business loan?
You don’t need a deposit for a Lloyds business loan. You pay back the loan with interest over an agreed repayment period.
Services offered by this provider may change over time. Always check Ts&Cs.