Business loans £50k – £500k
The loan that says yes to your business.
You’ve built something real. Don’t let funding be the thing
that holds you back. Get a decision in 24 hours — no
lengthy forms, no dead ends.
- Won't affect your credit score
- Decision in 24 hours
- FCA regulated
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
Work out your loan
See what your repayments could look like.
Use the calculator to get an instant estimate. It won’t affect your credit score — and when you’re ready, applying takes less than 5 minutes.
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
Your loan estimate
Illustrative only. No impact on your credit score.
£50,000
£500,000
6 months
60 months
Estimated monthly repayment
£0
Indicative rate from 0.9% per month
Total repayable
£0
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Why Acceptance
See why business owners choose us.
Easy process
Apply in minutes online. No mountains of paperwork, no endless back-and-forth. Just a simple form and a fast answer.
Same-day funding
Once approved, funds can hit your account the same day. Because when opportunity knocks, you can't afford to wait.
No hard credit pull
Check your eligibility and see what you can borrow without leaving any mark on your credit file. Zero risk to apply.
What we offer
What type of funding do you need?
Pick the product that fits your situation — or talk to us and we’ll recommend the right one.
Unsecured business loan
Borrow without putting your assets on the line. Fast, flexible funding with no collateral required.
Short-term business loan
Need capital quickly for a specific purpose? Get funded fast and repay within 6–24 months.
Working capital loan
Keep day-to-day operations running. Cover payroll, stock, or overheads while revenue catches up.
Asset finance
Fund equipment, machinery, or vehicles without draining your cash. Spread the cost, start working.
Invoice finance
Stop waiting 60+ days to get paid. Unlock cash tied up in unpaid invoices and keep moving.
Revolving credit facility
Draw down when you need it, repay when you can. Like a business overdraft — but bigger.
Put it to work
What can you do with funding from Acceptance?
Whatever your goal, we have a loan that fits. Here’s what our
customers use Acceptance funding for.
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt
Am I eligible?
What do you need to apply?
We keep it simple. No mountains of paperwork — just the basics.
01
Based in the UK
Your business must be registered and trading in the United
Kingdom.
02
12+ months trading
We look for at least one year of trading history. Start-up?
Talk to us — we may still be able to help.
03
£50k+ annual turnover
We need to see your business generates enough revenue
to service the loan comfortably.
04
A director or owner
The application must come from someone with authority to
take on debt on behalf of the business.
05
Basic business info
Company number, recent bank statements, and some
basic financials. That’s all.
06
Not currently insolvent
Your business must not be in administration, liquidation, or
have an unpaid CCJ outstanding.
The process
Four steps to funded.
Most businesses go from application to funds in their account in under 48 hours. Here’s how it works.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Eligibility
What information do I need to apply for an unsecured business loan?
We’ve kept the application process as simple as possible. Most businesses can complete it in under 5 minutes. Here’s what you’ll need to have ready:
- Your company registration number — to verify your business with Companies House
- 3–6 months of business bank statements — so we can understand your trading performance
- Estimated annual turnover — we need to see at least £50,000 per year
- How long you've been trading — at least 12 months is required for most applications
- Your contact details — name, email, phone, and your role in the business
- How much you want to borrow and for how long — you can adjust this during the process
That’s it. We may ask for additional information during our review, but we’ll always let you know in advance what we need and why.
Does applying affect my credit score?
No. Your initial eligibility check is a soft credit search
only, which leaves no footprint on your credit file and is
not visible to other lenders.
How long does it take?
Most applicants complete the form in under 5 minutes. We aim to come back with a decision within 24 hours. Funds can be released the same day you sign your agreement.
What if I’m self-employed or a sole trader?
We can still help. Self-employed applicants and sole traders are welcome to apply. You’ll need to show at least 12 months of trading history and verifiable revenue.