Tell us what you need
A few short questions about the funding and your business. About two minutes, with no credit search.
Business loans Business loans.
Business loans.
Matched to how you trade.
A lump sum with set repayments, for growth, stock, hiring, a refit or refinancing. We source options from lenders across the whole of the market.
Whole of marketNo credit search to start
See my business loans matches ↗ At a glance
Business loans on our panel
- Amounts on the panel
- £5,000 to £1m From the lenders on our panel, leaving out the smallest and largest tenth of products.
- Common terms
- Up to 5 years Half of the panel's loans run to 3 years or more.
- Security
- Unsecured or secured Most unsecured lenders ask for a director guarantee.
Indicative only. Your terms depend on your business and each lender's criteria.
What it is
Business loans, explained.
A business loan is a set amount you repay in monthly instalments over an agreed term. Many are unsecured, so no property is taken as security, although most lenders ask the directors for a personal guarantee. Larger or longer loans can be secured.
What you can borrow, and at what rate, depends on your turnover, how long you have traded and your credit history. Some lenders charge an arrangement fee, and some let you repay early without a charge. Your broker sets all of this out before you choose.
Who it suits
- Limited companies, and with many lenders sole traders and partnerships
- A one off cost such as stock, equipment, hiring or a refit
- Owners who want fixed, predictable repayments
- Bringing more expensive debt together into one monthly payment
How it works
From question to options.
We arrange business loans by sourcing lenders from across the whole of the market. You stay in control of every decision.
See your options
We match your answers against lenders on our panel and show indicative terms for your business.
A broker takes it forward
A broker goes through your options, gathers what the lender needs, usually recent bank statements, and takes your application to the lender you choose.
Good to know
Business loans, answered.
How much can my business borrow?
It depends on your turnover, profit, time trading and credit history. Across most of our panel, business loans run from £5,000 to £1m, and unsecured loans are usually sized against a share of your yearly turnover.
Do I need security for a business loan?
Not always. Many business loans are unsecured, although most lenders ask the directors for a personal guarantee. Larger amounts or longer terms may need security such as property.
Will checking my options affect my credit score?
No. Seeing your options does not involve a credit search. A lender only runs its own checks, with your permission, if you decide to apply.
How quickly can the money arrive?
Some lenders can decide within a working day once they have your bank statements, while larger or secured loans take longer. Your broker gives you the likely timings for the options you are looking at.
Can I repay early?
Many lenders allow early repayment, some with a charge and some without. The terms are set out before you sign, and your broker points out any early repayment charge.
Is Kyma the lender?
No. Kyma Business Finance is a credit broker, not a lender. We source options from lenders across the whole of the market and take your application to the lender you choose.
Tell us what you need.
See your terms in 2 minutes.
Indicative business loans terms from lenders across the whole of the market.
See my business loans matches ↗No credit search to startWhole of market
