Short Term Business Loans

A short-term bridge loan for a business is a temporary financing solution designed to provide rapid access to capital while a company awaits longer-term funding or a specific financial event, such as the sale of an asset, incoming investment, or completion of a larger loan facility.

These loans are typically secured against business assets or property and are used to manage cash flow gaps, fund acquisitions, or take advantage of time-sensitive opportunities. Terms usually range from 1 to 24 months, offering flexibility and speed when conventional finance options are too slow.

Interest rates for short-term business loans generally vary; this will be depending on factors such as:

• The borrower’s credit profile and trading history
• The loan amount and term length
• Whether the loan is secured or unsecured
• The overall financial stability and cash flow of the business

These loans are designed for speed and short-term liquidity, so their borrowing costs are generally higher than those of traditional long-term finance, reflecting the convenience and flexibility offered.

You borrow a fixed amount and repay it over a short term, usually through weekly or monthly payments. Repayments include both capital and interest, and terms are generally more flexible than traditional bank loans.

Common uses include:

• Managing cash flow gaps
• Purchasing inventory or equipment
• Covering payroll or tax liabilities
• Funding marketing or expansion projects
• Bridging finance while waiting for customer payments

We can make a quick decision within 4 hours, and funds can often be released within 2 business days, provided you submit all required documents.

Short-term business loans typically range from £10,000 to £500,000 depending on your revenue, trading history, and repayment capacity. We may also offer higher limits for established businesses.

Rates are calculated depending on the loan size, term length, and your business’s financial health.

This type of loan is designed for speed and flexibility, something we specialise in

Common fees include:

• Arrangement or origination fee
• Early repayment fee: may apply if you settle early
• Late payment charges: for missed or delayed payments

Always review the total cost of finance, including interest, fees, and any early repayment terms, before committing.

• Short-term loans: 3–12 months is a typical borrowing example, higher monthly repayments, with a quick approval.
• Long-term loans: up to 24 months, lower monthly repayments, more documentation and slower approval. This would be assessed on a case by case basis.

Short-term loans are best suited for immediate business needs or time-sensitive growth opportunities.