Recommended by the government’s development bank, which helps SMEs get finance
Compare Best Business Loan Rates
Compare business loan interest rates and discover how to get the lowest business loan rates for your business.
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Find the Best Business Loan Interest Rates UK-Wide through one application
What Are the Best Business Loan Rates?
Finding the best business loan rates in the UK allow startups, sole traders, and SMEs to access affordable finance for growth, cash flow, or day-to-day operations. Instead of relying only on traditional banks, you can now compare business loan interest rates UK-wide through brokers and digital platforms.
Business loan rates vary depending on the type of finance you choose — from unsecured and secured loans to government-backed startup loans, revolving credit, and short-term working capital. The lowest business loan rates are typically available to companies with strong credit profiles, but there are options for all business types.
When asking “how to get the lowest business loan rates”, the answer often lies in comparing lenders and products. By using a broker who has access to multiple providers, startups and SMEs can secure the best business loan interest rates available, helping them fund expansion, refinance existing debt, or improve cash flow.
Benefits of Securing the Best Business Loan Rates
The best business loan rates in the UK can help startups, sole traders, and SMEs reduce borrowing costs while accessing the funding they need. By comparing business loan interest rates UK-wide, you can secure affordable finance to support cash flow, growth, or refinancing. Choosing the lowest business loan rates means lower monthly repayments and more flexibility to reinvest in your business..
Access to Working Capital
Cover payroll, supplier invoices, or stock purchases affordably with loans at the best business loan interest rates, helping you manage seasonal cash flow.
Support for Growth
Secure the lowest business loan rates to fund expansion, hire staff, or launch new marketing campaigns without high interest costs eating into profits.
Flexible Use of Funds
Whether for equipment, vehicles, refinancing, or marketing, comparing business loan rates UK ensures you find the right loan at the best cost.
Build Business Credit
Making repayments on time strengthens your credit profile, increasing your eligibility for future loans at the best business loan rates available.
Variety of Options
From unsecured loans to government-backed schemes, comparing lenders helps you understand how to get the lowest business loan rates for your situation.
Quick Access to Funds
Many lenders offer fast approval, giving SMEs affordable capital when needed — especially valuable when securing loans at competitive interest rates.
About Funding Options
Funding Options is our trusted UK partner, helping entrepreneurs secure the best business loan rates available. With one simple application, their Funding Cloud technology compares your profile against 120+ lenders, delivering tailored loan offers in minutes — all without affecting your credit score.
Whether you want to compare business loan interest rates UK-wide, explore flexible funding solutions, or simply learn how to get the lowest business loan rates, Funding Options makes the process simple and transparent. Their panel of lenders covers a wide range of products, including unsecured and secured loans, government-backed startup finance, revolving credit, invoice funding, bridging loans, and commercial property finance.
By partnering with some of the UK’s most trusted lenders, startups, sole traders, and SMEs can secure finance at the best business loan interest rates, helping them manage cash flow, fund growth, or refinance existing commitments — all without the hassle of traditional banks.
How to Compare the Best Business Loan Rates in the UK
StartupDeals.co.uk has partnered with Funding Options to help you compare business loan interest rates UK-wide and secure the best business loan rates. With one simple application, their Funding Cloud matches you to 120+ lenders, including unsecured, secured, and government-backed options. By comparing tailored offers, you can identify the lowest business loan rates to manage cash flow, fund growth, or refinance — all with instant results that don’t affect your credit score.
Tell us about your business
Share how much you need, what it’s for, and key details so we can compare business loans matched to your profile.
Compare quotes instantly
Funding Options compare your details against 120+ lenders so you can see tailored finance quotes in seconds.
Apply and get your funding
Apply for finance and initial checks won’t affect your credit score. Receive funds into your account.
Choosing the Best Business Loan Rates for Your Needs
When comparing the best business loan rates in the UK, it’s important to consider your goals, cash flow, credit profile, and whether you can provide security. These factors influence the type of finance available — from unsecured and secured loans to government-backed startup funding. By working with a broker to compare business loan interest rates UK-wide, startups, sole traders, and SMEs can identify the lowest business loan rates tailored to their circumstances, ensuring they access the most cost-effective funding solution to manage cash flow, support growth, or invest in new opportunities.
Unsecured Business Loans
Borrow without collateral. Quick decisions; may require a personal guarantee.
Secured Business Loans
Backed by assets for lower rates and larger amounts.
Working Capital / Short-Term Finance
Cover day-to-day costs and short cash-flow gaps.
Revolving Credit Facility
Flexible line of credit — pay interest only on what you use.
Asset Finance
Hire purchase or leasing for vehicles, machinery and equipment.
Invoice Finance
Release cash tied up in invoices (factoring & discounting).
Merchant Cash Advance
Repay via a % of future card sales — flexible with turnover.
Commercial Property Finance
Commercial mortgages & development finance.
Bridging Loans
Short-term funding to bridge a purchase, sale or refinance.
Growth Guarantee Scheme
Government-backed lending via accredited providers.
Bad-Credit Business Loans
Options for thinner files or weaker credit profiles.
Startup Business Loans
Funding to launch or grow a new business—often unsecured, with flexible criteria for early-stage companies.
Who Can Get the Best Rates for a Business Loan in the UK?
Eligibility for the best business loan rates in the UK depends on factors such as your business type, stage, and financial profile, but even startups and sole traders with limited history can access funding. Lenders typically assess trading history, revenue, and credit profile, and platforms like Funding Options make it simple to compare business loan interest rates UK-wide. By reviewing tailored offers from over 120 lenders, SMEs can identify the lowest business loan rates and secure finance solutions — from working capital to growth funding — that best fit their needs.
- Business types
- Sole traders, partnerships/LLPs, limited companies, and in some cases nonprofits or social enterprises may be eligible.
- Stage of business
- Trading 6–24+ months: Wider choice of lenders and often sharper pricing.
- New/pre-revenue: Fewer options, usually smaller amounts, but some startup-focused loans are available.
- Financial profile
- Lenders look at cash flow, debt levels, and bank history. A weaker credit profile isn’t always a rejection, but it may affect available options or pricing.
- Directors & owners
- Most lenders require UK residency checks, ID verification, and credit checks on directors or major shareholders. Personal guarantees are common, particularly for unsecured loans.
- Security & guarantees
- Unsecured: Quicker, simpler, and often require a personal guarantee.
- Secured: Backed by assets (property, vehicles, receivables, equipment), allowing larger amounts and lower rates, but assets may be at risk if repayments aren’t met.
- Use of funds
- Loans can support working capital, hiring, equipment/vehicles, marketing, refinancing, or consolidation. Some restricted uses may apply depending on the lender.
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FAQs: Business Loans (UK)
What are the best business loan rates in the UK?
The best business loan rates in the UK depend on your business profile, credit score, and the type of funding you need. Brokers like Funding Options make it easier to access tailored finance from multiple lenders so you can secure the most competitive deals.
How do I compare business loan interest rates UK-wide?
To compare business loan interest rates UK-wide, you can use a broker or digital platform that reviews offers from dozens of lenders at once. This ensures you see a full range of products and find the right loan at the right rate for your needs.
Who offers the lowest business loan rates?
The lowest business loan rates are often provided by lenders when businesses have strong trading history and a solid credit score. However, startups and SMEs can still find affordable options by comparing multiple offers through a broker.
How do I get the lowest business loan rates?
Wondering how to get the lowest business loan rates? The key is to keep your credit profile strong, prepare accurate financial documents, and compare lenders rather than accepting the first offer you receive. Using a broker can streamline this process.
Can startups and sole traders access the best business loan interest rates?
Yes, even new businesses and sole traders can access the some of the best business loan interest rates (dependent on their circumstances). While they may start higher than established firms, brokers can help identify lenders willing to offer more favourable terms
What are the benefits of securing the best business loan rates?
Securing the best business loan rates reduces borrowing costs, lowers monthly repayments, and leaves you with more cash to reinvest in growth, manage cash flow, or refinance existing debt.
Do I need to provide security to access the best business loan interest rates?
Some lenders require security for larger loans, but unsecured options are also available. In many cases, offering security can unlock the best business loan interest rates, especially for higher-value borrowing.
How quickly can I access funding with the lowest business loan rates?
Approval times vary, but many brokers can secure decisions within minutes and funds within days. If you qualify, you may be able to access money quickly while still benefiting from the lowest business loan rates available.
What documents are needed to compare business loan interest rates UK-wide?
When you want to compare business loan interest rates UK-wide, lenders may ask for proof of identity, business bank statements, tax returns, and financial forecasts. Providing clear documentation improves your chances of securing competitive rates.
Is it safe to apply online for the best business loan rates?
Yes — applying online for the best business loan rates is safe when using trusted brokers and FCA-regulated lenders. These platforms use secure technology to protect your data while matching you with suitable finance options.
FAQs: About Funding Options
Is Funding Options a lender or a broker?
Funding Options is a broker, not a direct lender. They work with over 120 trusted UK lenders, helping businesses compare business loan interest rates UK-wide and secure the best business loan rates available for their needs.
Does using Funding Options affect my credit score when applying for the best business loan rates?
No, using Funding Options does not affect your credit score. Their soft checks mean you can explore multiple offers, compare them side by side, and identify the lowest business loan rates without damaging your credit profile.
How does Funding Options match my business with the best business loan interest rates?
Funding Options uses their Funding Cloud technology to review your business profile and match you with lenders offering the best business loan interest rates. This ensures you get tailored offers that suit your financial situation.
Are there any fees for using Funding Options to compare business loan rates?
No, Funding Options does not charge businesses for using their service. You can compare business loan interest rates UK-wide and access tailored offers at no cost, making it easier to find the lowest business loan rates.
Can small businesses and sole traders use Funding Options to get the lowest business loan rates?
Yes, Funding Options supports startups, sole traders, and SMEs. Even if you have limited trading history, their platform can help you explore different lenders and learn how to get the lowest business loan rates available.
How quickly can Funding Options help me secure the best business loan rates?
Many businesses receive tailored loan offers within minutes of applying. This allows you to quickly compare lenders and secure the best business loan rates for cash flow, refinancing, or growth projects.
What types of business loans can I compare through Funding Options?
Through Funding Options, you can compare business loan interest rates UK-wide across unsecured loans, secured loans, government-backed startup finance, revolving credit, and more — giving you access to the best business loan interest rates.
Is Funding Options safe for businesses looking for the best business loan rates?
Yes — Funding Options is an FCA-regulated and only works with trusted lenders. This means businesses can confidently use their platform to compare and secure the best business loan rates without risk.
FAQs: About Startup Deals
Do StartupDeals provide business loans directly?
No — StartupDeals does not lend money directly. We work as an introducer partner with Funding Options, who connect UK businesses to more than 120 lenders through their regulated platform.
Is StartupDeals paid by Funding Options?
Yes — if you are successfully matched with a lender and take out finance, StartupDeals may receive a commission from Funding Options. This comes at no extra cost to you as the customer.
Can I trust StartupDeals when applying for a business loan?
Yes — StartupDeals is a trusted affiliate partner of Funding Options. Funding Options is FCA-regulated, and all loan applications are handled securely by them, ensuring compliance and transparency.
Why does StartupDeals recommend Funding Options?
At StartupDeals, our goal is to help startups, sole traders, and SMEs access the tools and services they need to grow. We recommend Funding Options because they provide access to a wide network of over 120 UK lenders — from high street banks to specialist and alternative finance providers. This means that instead of applying to lenders one by one, businesses can complete a single application and quickly see tailored funding options side by side.
Funding Options also uses secure technology to match businesses with lenders most suited to their profile, making the process faster and more efficient. For startups, this can be particularly valuable, as many lenders on the platform specialise in supporting early-stage businesses.
By partnering with Funding Options, we can introduce our audience to a trusted, FCA-regulated broker where they can explore some of the best business loan options in the UK, compare rates and terms, and find funding that may fit their circumstances — all in one place.
Does StartupDeals decide if my business loan is approved?
No — StartupDeals does not make lending decisions. All applications are assessed by Funding Options and their panel of lenders. Approval depends entirely on the lender’s criteria.
Is StartupDeals regulated to provide credit?
StartupDeals does not provide credit directly and is not a lender. We act as an introducer to Funding Options, who are FCA-regulated and work only with authorised UK lenders.
Will it cost me extra to use StartupDeals?
No — you won’t pay any additional fees by applying through StartupDeals. If you proceed with a loan, StartupDeals may receive a commission from Funding Options, but this does not affect the cost of your finance.
Who handles my data if I apply for a loan?
Your loan application and personal data are handled securely by Funding Options, not StartupDeals. They use regulated systems and strict data protection measures to keep your information safe.
Does StartupDeals provide financial advice?
No — StartupDeals does not provide personalised financial or lending advice. We introduce businesses to Funding Options so they can compare loan options. All content on StartupDeals.co.uk is created to be impartial and informative. It is designed to help startups and SMEs explore tools, services, and funding options available in the UK. The information is not intended as financial advice. For tailored guidance, you should seek advice from a qualified financial professional.
Disclaimer: The content on this website is intended for informational purposes only and should not be construed as legal, financial, or professional advice. While we strive to ensure that the information is accurate and up-to-date at the time of publication, please be aware that regulations and circumstances may change. We recommend consulting with a qualified professional for personalised guidance specific to your situation. Additionally, some links on this website may be affiliate links, meaning we may earn a commission if you make a purchase through those links. Please ensure you read and understand all terms and conditions before making any decisions.