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EVERY UK FUNDING ROUTE

Commercial finance products for UK SMEs

From government-backed loans through the Growth Guarantee Scheme to flexible cash-flow funding. Compare every UK SME funding option in one place.

Unsecured Business Loans

£5k–£500k · No security · 24-48hr decisions · 250+ UK lenders compared

Compare unsecured loans →

Merchant Cash Advance

£1k–£500k · Repaid as % of card sales · Bad credit OK · 24-48hr funding

Compare MCA funding →

Growth Guarantee Scheme

UK Government-backed · Up to £2m · Term loans, asset & invoice finance · 70% lender guarantee

Apply for GGS funding →

Government Business Grants

UK 2026 grants directory · Innovate UK · Regional grants · Sector-specific schemes

Browse UK SME grants →

Secured vs Unsecured Business Loans

Side-by-side: APR, amounts, security required, speed, term lengths · Which is right for your SME?

Read comparison →

Small Business Loans Under £25,000

Fast UK funding for sole traders & micro-SMEs · Soft credit · No-personal-guarantee options

Get a small loan quote →
FUNDING GUIDES & CALCULATORS

In-depth UK SME funding guides for 2026

Calculator tools, lender comparisons and sector-specific funding guides — for hospitality, retail, e-commerce, professional services and seasonal businesses.

Unsecured Business Loan Calculator

Estimate monthly repayments, interest and total cost of credit on a UK unsecured business loan.

Merchant Cash Advance Calculator

Estimate factor rates, daily holdback and total payback on a UK merchant cash advance.

Growth Guarantee Scheme Calculator

Model GGS borrowing — eligibility, repayments and total cost of credit.

UK Unsecured Loan Lenders Compared

Directory of major UK unsecured loan lenders, direct vs broker, how the best deals are matched.

Loans with Bad Credit, CCJs & Defaults

UK lenders for businesses with adverse credit and how directors limit personal liability.

Loans with No Personal Guarantee

Where to find genuine no-PG unsecured business loans and the trade-offs that come with them.

MCA for Pubs & Hospitality

How MCAs work for the UK hospitality sector — seasonality, advance sizes, lender appetite.

MCA for Retail & E-commerce

MCA structures suited to UK retail, online sellers and early-stage businesses with card revenue.

Grants vs Growth Guarantee Scheme

When a UK SME should pursue grants, GGS-backed lending or both. Eligibility & trade-offs.

More ways to manage your business money

Funding is only part of the picture. Cut your everyday costs by switching your business bank account, manage cashflow with business credit cards, or explore unsecured business loans and merchant cash advances.

AP
Written & reviewed by Andrew Pickett, Director — The Business Hub. The Business Hub is a UK FCA-registered credit broker (The Business Hub Group Ltd, Companies House 17194022). Our finance guides are written and checked in-house against current lender criteria and FCA guidance, and are for general information — not financial advice. Last reviewed: 5 May 2026.

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