Business Loans

What are Business Loans?

Business loans provide a flexible source of funding to support current and future plans. From property refurbishment and expansion to stabilising cashflow, covering revenue gaps or settling VAT payments, a business loan could help. Our flexible loans are available up to £150k with repayment terms from 3 months to 5 years. We believe in our customers and their businesses, so our personalised approach to small business loans means we can often provide funding when other lenders can’t.

What we offer

Unsecured Loans

Our unsecured business loans can provide the critical funds your business plans demand, without the need for collateral. Our flexible approach means that we work to understand your requirement funds and assess how eligible you are for funding, structuring a loan to meet your needs.

Secured Loans

Our secured business loans are flexible, giving you freedom to progress plans at your own pace. Secured against collateral, usually property, we’re able to offer secured loans between £35k and £250k on either a short or long-term basis, with monthly repayments to suit you.

VAT Loans

VAT is a recurring business expense that requires prompt payment. When your cashflow is tied up, meeting your ongoing VAT commitment can put a strain on you and your business' growth plans. Our VAT loan can help alleviate this stress, giving you more time to focus on your growth.

Loans Calculator




Monthly Cost


Arrangment Fee


How does it work?

We get to know you and your business needs.

We agree which loan is most suitable, the amount and the payment terms.

All documents are signed and the facility is put in place.

You pay your agreed monthly payments to us.


You use the loan to grow your business.

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How will a business loan help?

Whether your business is expanding or just getting started, applying for a business loan can assist in many ways. 

  • Loan solutions to support a wide range of situations and businesses. 
  • Loans available from £10k to £250k, to help make your plans happen. 
  • Flexible terms, from 3 months to 5 years, to suit your unique requirements. 
  • Three month VAT loans available to ease the stress on your cashflow.
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What type of business will benefit?

  • Established companies turning over in excess of £25k.
  • Businesses looking to expand their business operations.
  • Companies in need of a cash injection to stabilise cashflow.
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Better Indoors chase Covid prevention contracts

“Our funding solution with Time Finance allows us to optimise our cash whilst adding to our inventory and helping to support our rapid growth which we expect to accelerate in the coming quarters".

Headshot of Jake Bebbington

Time Finance appoint Jake Bebbington to support Northern business growth

Jake will be responsible for expanding Time Finance’s secured and unsecured commercial loan offerings alongside the Government-backed Recovery Loan Scheme.

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Investment is top of the agenda for UK businesses

In our latest survey, we found that 100% of businesses and financial intermediaries agree that now is the best time to invest.

Time Loan Finance Limited is authorised and regulated by the Financial Conduct Authority, under firm reference number 710117, for mortgage broking activities. Registered office: Second Floor, St James House, The Square, Lower Bristol Road, Bath BA2 3BH. Registered in England with Company No. 7117511. Commercial Mortgages, Property Development, Buy-To-Let Mortgages and Lending to limited companies is not regulated by the Financial Conduct Authority.