Business Loan Calculator

Use our business loan calculator below to find out how much you can borrow to take your business to the next level.

Apply as a limited company without affecting your credit score.

Excellent

16,880 reviews

• Apply online in 7 minutes
• Decision in as little as 1 hour
• Borrow £10,000 to £750,000
• Rates from 6.9% per year

Funding Circle has worked with the British Business Bank since 2013, supporting thousands of businesses as one of the largest providers of Government-backed loans including through the Growth Guarantee Scheme.

Use our calculator to see how affordable our loans can be

Amount you wish to borrow

£

Amount must be between £10,000 to £750,000

For how many months?

6

12

24

36

48

60

72

* Calculations are indicative and intended as a guide only. You may be offered different terms. Based on average rate of our lowest risk businesses, and current fees, which may be subject to change.

Monthly repayment *

£4,815

Show breakdown

Loan amount £100,000 Completion Fee £6,900 Interest £8,668 Total amount repayable £115,568

£18 billion

Lent to UK businesses

Get a quote on your business loan

Tired of expensive credit cards and inflexible overdrafts? Consider a fast, affordable business loan to grow your business, buy stock and equipment or boost your cash flow.

Find out how much you could borrow and what your fixed monthly repayments could be by using our business loans calculator. Then complete your application online in just 7 minutes.

All our loans are fixed rate, so you’ll know exactly what’s due each month. Rates start from 6.9% per year, we charge a simple one-off fee when you take out your loan and there’s no fee if you want to settle early.

Finch House

Cafe and bakery

Kent

"It has really worked for us. The service has been very easy and we would hopefully be using Funding Circle in the future as well"

Get a personalised quote without affecting your credit score

If you’re a limited company or LLP, you can get a loan decision without affecting your credit score. So you can assess your options with complete peace of mind.

1. 1

Check if you qualify in 30 seconds

See if you qualify with no fuss

2. 2

Apply online in 7 minutes

Tell us about you and your business in our online form

3. 3

Get your decision in as little as 1 hour

If approved, you’ll get a personalised, no-obligation quote

4. 4

Funds paid out typically within 48 hours

Once you accept your offer, we’ll deposit the funds into your account

Frequently asked questions

How much can I borrow?

You can borrow £10,000 to £750,000 with a Funding Circle business loan.

How do I calculate how much money I need?

Start by thinking about what you’re intending to use the funds for, and how much might be required to achieve this. If you’re looking to use your loan to consolidate business debt for instance, you’ll want to borrow enough to cover any outstanding debts you have.

Then, consider how much you can afford to repay each month. With this figure in mind, you can use our business loans calculator above to get an idea of how much your monthly repayments could cost for the amount you want to borrow.

Will checking my eligibility affect my credit score?

No, you can check your eligibility without impacting your credit score. If you’re a limited company or LLP, you can also complete an application and get a decision without affecting your credit score, so you can review your options with complete peace of mind.

How do I calculate the cost of a business loan?

To see how much a business loan through Funding Circle could cost you, simply use our business loan calculator above. It can help you work out how much you can borrow, as well as what your fixed monthly repayments will be.

Do I need a deposit for a business loan?

No, we don’t require a deposit for any of our business loans. However, if you choose to borrow over £250,000, you may be required to offer a personal guarantee.

Will I only be offered the loan amount I apply for?

When you apply for a loan through Funding Circle, we’ll assess what we think your business can afford to borrow. We’ll aim to give you an offer for the amount you’ve requested, but if we can’t, we may offer a lower amount. Likewise, if we can make you a higher offer, we will too.

Can I use a business loan for personal use?

A small business loan can be spent on just about anything relating to your business, but it can’t be used for personal expenses. In the UK, limited companies and limited liability partnerships (LLPs) are legally separate from their owners. This means that when a business loan is issued, the business - rather than the owner - is borrowing the money.