Time to invest in your business operations

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How can our Business Loans help?

We can help provide the financial support you need to make your plans happen. Whether you’re looking at property investment, refurbishment or need additional funding, we can help support your ambition with our suite of flexible loans. From secured and unsecured loans to bridging and buy to let, we’ll find the best solution for you.

Frequently Asked Questions

There are various types of business loans, including secured and unsecured loans. Interest rates will depend on the type of loan taken and the term length. It's important to consider the right choice for the situation and business at hand. 

Secured Loans are a type of financial solution that businesses can obtain using their items as collateral. Commercial assets allow larger facility sizes because security is taken from the business. Once assets and creditworthiness have been assessed, a cash injection can then be released into the business. 

Unsecured Loans are another type of cash injection but differs slightly in terms of eligibility. A business owner can obtain an unsecured business loan without having to provide collateral or security to the lender. However, creditworthiness is still taken into account before approval. 

VAT Loans can be used to help business owners keep up with their recurring VAT expenses. It often requires prompt payment, so when cashflow is held up, meeting ongoing VAT commitments can add additional strain. We relieve that pressure by paying their VAT commitments and allowing our clients to pay back in manageable, monthly installments over the 3 month period.

It's important to know what type of loan is best suited to your client's unique goals as well as their financial situation. We help brokers make an informed decision about which is best for the situation at hand.

We offer a number of different loan sizes to support all kinds of business investment. Term lengths range from 3 months to 5 years and rates depend on the type of loan taken. To find out more, speak to a member of our Business Development team today.

Secured Business Loans: what are they and who are they for?

  • At Time Finance, we have recently doubled our Secured Loan offering to businesses from £250,000 to £500,000.
  • We facilitate loans of £50,000 to £500,000 with a loan term of up to 5 years.
  • The businesses we support must be based in England or Wales to obtain a Secured Loan; they should have been trading for around 2 years.

A Secured Business Loan can be a great way to obtain the capital needed to grow an organisation. Business loans secured with collateral, such as cars, property, machinery, or equipment, may be the right choice for businesses with valuable assets. In order to meet the criteria, financial performance, credit history and growth plans are also taken into account.

Secured Loans we offer to UK businesses

At Time Finance, we understand that each business is unique and that having access to the right level of finance to meet their business goals is important. That’s why we offer flexible Secured Business Loans, giving your clients the freedom to progress their plans at their own pace.

Our Secured Loans are available for between £50k and £500k on either a short or long-term basis, with a flexible repayment schedule available. 

When you choose to work with us, you'll be working with a relationship-driven funder who really gets to know you and your clients. This gives us the opportunity for us and you to understand one another and the work we’ll be carrying out.

Unsecured Business Loans: What are they and who are they for?

  • We offer Unsecured Loans from £10,000 to £50,000. 
  • Our Unsecured Business Loans range from 3 months to 5 years.
  • To be eligible for funding, the businesses we support are required to have been trading in England or Wales for a minimum of 2 years.
  • Loans are available to homeowners only.

Unsecured business loans are a type of loan that allow businesses to borrow money without the need for collateral as security. Instead, the business's financial performance, growth plans and credit history are taken into consideration. If an unsecured business loan is taken out, the business will be responsible for paying back the entire amount borrowed, plus interest and fees.

This type of loans may be used for:

  • Cash flow injection
  • Business growth 
  • Stock or asset purchases
  • Large or unexpected one-off costs
  • Property expenses
  • Refurbishment

Unsecured Business Loans can be a great option for a business that needs a quick funding solution.

Unsecured Loans we offer to UK businesses

Our Unsecured Business Loans can provide the money your client needs without requiring collateral. Our flexible approach means that we can accurately assess how eligible the business in question is for funding, then structure the best loan to meet their needs.

Many of our clients choose Unsecured Loans due to the fast turnaround time and uncomplicated decision-making process. With an internal underwriting team in place, every proposal is reviewed and we take a commercial view on every business looking to secure finance. Our underwriters are determined to combine speed and the human touch, which is something we take pride in as an alternative finance provider.

When looking for the right loan for your client, you will need to make sure you get the most suitable option for the parties involved.

You may want a flexible repayment schedule, and flexible terms that work for your clients’ business. Our Secured Business Loans are one option that can offer all of those things.

Some additional benefits include:

  1. In some circumstances, lower interest rates may be available.
  2. Typically, there are larger loan sizes available as opposed to Unsecured Loans.
  3. It adds immediate working capital to the business.
  4. Secured Loans can be used for a variety of investment purposes.

A business may choose to utilise Secured Business Loans to finance: short-term working capital needs or long-term asset purchases (like equipment), expansion plans, and more.

Usually, unsecured loans are based on a combination of credit rating, business stability and general affordability to pay the loan back. As this type of loan doesn’t require any security in the form of collateral, the maximum loan amounts are typically smaller than those available with Secured Loans.

Some of the benefits of securing our Unsecured Loan include:

  1. In most cases, the application process is quick, enabling businesses to receive an immediate cash injection.
  2. Unsecured Loans from Time Finance are a great funding option for businesses that would prefer not to offer security, or any company that’s growing fast and needs finance quickly.
  3. The absence of collateral makes this financial solution less of a risk for borrowers looking for cash injections.

Unsecured business loans can be used to fund a range of different business needs, including:

Working capital: Our Unsecured Business Loans can help pay for everyday operating expenses, such as payroll and rent.

Expansion: If an organisation wanted to expand their business but didn't want to go through the hassle of securing collateral or equity shares in the company, then our Unsecured Business Loans might be beneficial.

As any finance broker knows, business owners need access to flexible funding solutions tailored to their specific needs. As their business develops over time, their needs will change and they will require access to a business finance solution that keeps up with their own pace of growth.

At Time Finance, we work closely with intermediaries and their clients to understand the challenges being faced and opportunities to grow available. 

If you’re a finance broker, we’re here to help you. No matter the business finance solution you’re looking to secure, whether that’s Secured Loans, Unsecured Loans, VAT Loans, we have the flexibility and expertise to help you meet your clients' needs. 

We're proud to support over 10,000 UK businesses every year. We successfully help brokers identify suitable finance products for their clients through close collaboration and maintaining strong relationships.

Whatever their situation, we offer bespoke finance solutions that help you get the right financing for your clients at the right time.

If you would like to become an intermediary with Time Finance, please get in touch by emailing

Finance brokers looking to obtain financial solutions for their business clients, we can help.

Our approach is simple: we work closely with you to provide a funding requirement with speed and efficiency. We truly value our network of brokers and advisors, and work with a select panel so that we can really help them to uncover opportunities.

If your client is an SME, our team is able to provide them with specialised finance solutions that suit their current stage of development.

Responsiveness and bespoke solutions

We believe that good communication is key, so we'll work closely with you and your clients to understand their needs as well as yours. In addition to paying meticulous attention to each enquiry, we respond swiftly to each and every application.

We keep you informed during every step of the process, giving you the peace of mind that your client’s proposal is in good hands.

Extensive range of financial solutions

We believe in providing funding solutions that help your clients achieve their goals. Our funding portfolio covers multiple diverse products designed to suit all clients, from sole traders to small businesses and larger organisations. 

We offer flexible payment options and work hard to swiftly administer funds to businesses.

With access to a wider variety of financial solutions at Time Finance, we also have the flexibility to package a bespoke package which is right for them.

Commitment to our network of intermediaries

At Time Finance, we are committed to being a financial partner to you and your clients. As a relationship-driven funder, we are dedicated to creating and strengthening connections.

By joining Time Finance as an intermediary, you’ll not only benefit from introducing one of our financial solutions, you’ll benefit from all of the products we offer here and be rewarded for each successful referral.

Partner with us for expert business finance solutions

As a business finance broker, we know you're looking to work with expert funding partners who can identify opportunities to support your clients and provide the financial support they need to get their plans off the ground.

The decision to partner with Time Finance will strengthen relationships with your clients. With a first class service and access to a dedicated team of local decision makers, you can rest assured that we'll be there when you need us.

We like to meet with all of our brokers in person so that we really have the opportunity to understand how we can best work together moving forward and give you as much information as possible on the support we have available. This initial meeting is just the first step towards making the best possible decisions.

We are always looking for new ways to further our mission of helping businesses and finance brokers achieve their financial goals. Contacting us is the first step towards what could be a long and fruitful relationship.

Please speak with a member of our team today by filling out our quick online form or emailing us at

Interested? Get in touch.

03333 443 460

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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.