Short Term Business Loans
Access speedy, tailored, property-backed finance for working capital and to power business growth.

Experts in Bridging Finance
Property-backed finance to power business growth, working capital and expansion. A secured business loan is short-term finance backed by property (your own or an investment). Unlike remortgaging, this facility runs alongside your existing mortgage rather than replacing it. You repay via agreed monthly instalments or via a planned exit (sale, refinance, or refinance into long-term finance).
When you might use one
- You need funds urgently, with a decision given fast
- You need to borrow between £10,000 and £4,000,000
- Bridge a property acquisition while waiting for a sale
- Fund refurbishment or conversion works
- A quick way to consolidate or restructure business debt
- Urgent capital for growth (stock, equipment, expansion)
- Tax liabilities, short-term cash flow, working capital
Why choose Goldhill Finance?
- You need more than just money; you need a partner who understands non-standard deals, unpredictable credit, and tight timelines.
- Common-sense underwriting: We look at your whole picture, not just one credit score.
- Flexible criteria: we lend when many won’t: self-employed, complex structures, non-standard properties.
- Fast & transparent: Our streamlined process moves quickly, with clear fees and no surprises and decisions within 4 hours.
- Property expertise: We specialise in property-secured lending (commercial, residential, mixed use).

Most common questions on short-term lending for businesses
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.
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
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.