Short-Term Business Loans

Short-term business loans up to £500k. Repayment terms from 3 - 12 months.

They were really responsive and helpful to our exact needs. Everything was quick and easy and our account manager was there to assist every step of the way.
Vicki
Biogreen Solutions, Leeds
Let us help you

Short-term business finance

For Love Finance, short-term loans are probably one of our most popular products. They're quick, easy and low-commitment - like all the best things in life. Whether you're running an SME or steering a larger enterprise, navigating financial challenges can get the better of all of us. That's why we're here to transform your hurdles into stepping stones with short-term finance solutions tailored to whatever unique needs you may have.

Credit score not affected

Yep, that's right - your credit score stays safe while exploring loan options with us. We keep it worry-free until you're ready to dive in. Interest rates as low as 8.9%

Transparent Interest Rates

Interest rates can seem scary, but we will always be transparent with you. You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.

Unsecured loans up to £500,000

Borrow up to 500,000 quid (imagine what you could do with that) for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).

It won't impact your credit score
Credit score not affected

Yep, that's right - your credit score stays safe while exploring loan options with us. We keep it worry-free until you're ready to dive in. Interest rates as low as 8.9% (flat rate)

Transparent Interest Rates

Interest rates can seem scary, but we will always be transparent with you. You can choose a variable rate (moves with the market) or fixed interest rate (doesn't) - depending on your business needs.

Unsecured loans up to £500,000

Borrow up to 500,000 quid (imagine what you could do with that) for pretty much any purpose (don't test us, you know the kinds of things we mean, cash flow, payroll, yada yada).

A bit more info

Why choose short-term business loans?

Need cash, like, yesterday? Our short-term business loans are your go-to solution for a quick financial pick-me-up. Designed to cover those pesky 3 to 12-month gaps, they're perfect for unexpected expenses, cash flow juggling, or stocking up quick-time. Think of it as a little boost for your business - speedy and effective. Plus, if the term comes to an end and you decide you're not ready to say bye, we also offer top-ups!

Love your finances again

Benefits of short-term business loans

Quick access to funds

Get the cash you need in no time, usually within 24 hours.

Flexible repayment terms

Pick from 3, 6, or 12 months to match your business needs perfectly.

Improved cash flow

Smooth out the bumps in your daily operations or tackle unexpected expenses with ease.

No long-term commitment

Enjoy the freedom of paying off your loan quickly, with no strings attached.

Monthly Repayments

Fixed monthly payments to fit your cash flow, so you know what to expect each month.

Works For You

And if you feel like a longer term would suit you better - we can look into that too!

This was my first venture into short-term finance & I'm very pleased. Much better rates in this sector than the competition.
Salim
The Mad Hatter, Oxford

Try our business loan calculator.

£70 000
Get Offer

Who can benefit from a short-term loan?

Short-term business loans are a perfect fit for:

  • Small and medium enterprises (SMEs)

    Keep your cash flow smooth, tackle those surprise expenses, and jump on growth opportunities.

  • Larger enterprises

    Bridge those pesky financing gaps, handle seasonal ups and downs, and power through large projects.

  • Businesses of all sizes

    Whether you've been trading for 12 months or 12 years, we’ve got flexible options to support your unique financial needs.

  • Owners seeking quick funding

    Need money pronto? Get your funds within 24 hours for any urgent financial needs.

Applying for a short-term business loan

We've made applying for a loan so quick and hassle-free, you'll wonder why you didn't do it sooner.

  • Submit enquiry: Just give us the lowdown on your business and what you’re after.
  • Get approved: Our team will review your application and approve it within 24 hours.
  • Receive your funds: Once approved, the funds will be transferred to your account quickly.
Get your offer
FAQ

Your questions answered

How quickly can I get the funds?

Short-term funding needs a short turnaround. Expect your funds to land in your account within 24 hours.

Can I apply with a bad credit rating?

Got a less-than-stellar credit score? We might still have options for you, but it's always a good idea to work on improving your score to get the best borrowing terms possible.

What can I use the loan for?

Think of our short-term loans as a business owner’s secret weapon - perfect for cash flow, an unexpected expense, new ventures, and more.

What are the interest rates for short-term business financing?

Short-term loans typically come with a higher interest rate because they’re designed to be quick and convenient. Think of it as a VIP express lane - pay a little extra for the speed and flexibility. This is to ensure you get your funds ASAP, with all the efficiency and minimal fuss you need to keep your business running smoothly. It’s a small price for the perk of immediate financial support!

How do I apply for a short-term business loan?

Just fill out our online application process with your business details, and we'll review and approve your loan application within 24 hours. Easy peasy!

Is there a penalty for early repayment?

Nope! At Love Finance, we love it when you’re ahead of the game. There are no penalties for paying off your loan early—go ahead and save on interest!

How to apply for a business loan with Love Finance

Apply online in 5 mins

2 minute enquiry. 7 Questions. Instant decision. Just like that. Just click “Get offer” to start your application.

Approved & funded in 24 hrs

One small request, please? If you could prepare your paperwork, we'll all be in the best position to get you funded ASAP!

Borrow from 3 mo to 6 yrs

Terms work case-by-case, and we'll do our best to find you the loan that fits you like your favourite comfy tee.

You are 5 minutes away from making it happen

  • Credit score not affected
  • Interest rates from 8.9%
  • Unsecured loans up to £250,000