Business Loans
Flexible funding to help your business manage cash flow, invest in growth and take advantage of new opportunities.
Business Loans built for your business
What to expect from a Business Loan arranged by Foundry — options compared across our lender panel and one dedicated point of contact throughout.
Best for
Businesses seeking flexible funding for growth, working capital or one-off costs.
Funding amount
Tailored to your requirements.
Repayment terms
Flexible, depending on the lender and facility.
Same-day decisions
Fast decisions may be available, depending on the lender and complexity of the application.
One lump sum
Used where your business needs it most
Flexible use of funds
Repaid over an agreed term
Predictable repayments that are easier to budget for
Cash reserves preserved
What is a Business Loan?
A Business Loan provides your company with a lump sum of funding, which is repaid over an agreed period.
It can be used for a wide range of commercial purposes, from supporting cash flow and purchasing stock to funding recruitment, expansion or a new business opportunity.
Depending on your circumstances, funding may be available on either a secured or unsecured basis. Repayments are usually structured over an agreed term, helping you plan your monthly outgoings with greater certainty.
At Foundry Commercial Finance, we take the time to understand what the funding is for, how your business operates and what it can comfortably afford before recommending the most suitable option.
What can a Business Loan be used for?
Business Loans can be used for a wide range of commercial purposes, giving you the flexibility to invest where your business needs it most.
Is a Business Loan right for your business?
A Business Loan can provide flexible capital when your business needs additional funding that is not tied to one specific vehicle, asset or unpaid invoice.
Benefits of a Business Loan
Beyond the lump sum, a Business Loan gives you room to plan, act and grow.
Flexible use of funds
Use the funding across different areas of your business rather than restricting it to one specific asset.
Support cash flow
Provide additional working capital when income and expenditure do not fall at the same time.
Act on opportunities
Move quickly when a new opportunity arises instead of waiting for cash reserves to build.
Predictable repayments
Agreed repayments can make it easier to budget and plan your business finances.
Fund business growth
Invest in recruitment, marketing, stock or expansion to support the next stage of your business.
Preserve existing cash
Keep your cash reserves available for emergencies and everyday operating costs.
Which Business Loan is right for you?
The most suitable facility will depend on your funding requirement, financial position, available security and preferred repayment structure.
01No security required
Unsecured Business Loan
Funding provided without taking security over a specific business asset or property. This can be suitable for established businesses with a strong trading history, although a personal guarantee may still be required.
02Backed by an asset
Secured Business Loan
Funding supported by an available asset, usually property. This may provide access to larger amounts, longer repayment terms or options that would not be available on an unsecured basis.
03Repaid over a shorter period
Short-Term Business Loan
Designed for temporary funding requirements, urgent costs or opportunities where the borrowing will be repaid over a shorter period.
04Consolidate borrowing
Business Loan Refinance
Replace or consolidate existing borrowing to improve cash flow, simplify repayments or move to a more suitable funding structure.
Not sure which loan is right?
We’ll talk you through secured and unsecured options and explain the costs, responsibilities and repayment structure before you decide.
Secured or unsecured Business Loans?
Unsecured Business Loans
An unsecured loan is generally assessed against the strength, trading history and affordability of your business without taking security over a specific property or asset.
It can often involve a quicker and simpler application process, but the amount, term and pricing available will depend on the strength of the business and the lender’s criteria. A personal guarantee may still be required.
Secured Business Loans
A secured loan is supported by an available asset, commonly commercial or residential property. Providing security may make larger funding amounts or longer repayment terms available.
The application process may take longer because the lender will need to assess and value the security being offered.
We’ll talk you through both options and explain the costs, responsibilities and repayment structure before you make a decision.
What will lenders consider?
Every application is assessed individually, but lenders will commonly consider:
- Your trading history and financial performance
- Recent business bank statements
- The purpose of the funding
- Existing borrowing and monthly commitments
- Your ability to afford the repayments
- The directors’ experience and credit profiles
- Any security or personal guarantees available
Your circumstances do not need to be perfect. We’ll review the position honestly, explain what may be achievable and identify the lenders most suited to your application.
Why choose Foundry for Business Loans?
Every funding requirement is different, and the cheapest-looking option is not always the most suitable one.
Lenders assess businesses differently, with varying criteria, repayment structures and levels of flexibility.
At Foundry Commercial Finance, we compare suitable options from across our panel of UK lenders. We explain the costs and terms clearly, helping you make an informed decision without approaching multiple providers yourself.
From your first conversation through to completion, you’ll have one dedicated point of contact supporting you throughout the process.
Independent advice
Access to 100+ UK lenders
Secured and unsecured options
Dedicated point of contact
Clear repayment structures
Long-term support
Our role is not simply to arrange a loan. It is to help you make the right funding decision for your business.
Frequently asked questions
Straight answers to the questions business owners ask us most often.
Speak to an expertHow much can my business borrow?
The amount available will depend on factors such as your turnover, profitability, trading history, existing commitments, affordability and whether security is available. We’ll review your requirements and give you a realistic indication of the options available.
What is the difference between a secured and unsecured Business Loan?
An unsecured loan does not take security over a specific property or asset, although a personal guarantee may still be required. A secured loan is supported by an available asset and may provide access to larger amounts or longer repayment terms.
How quickly can a Business Loan be arranged?
Timescales vary depending on the lender and complexity of the application. Straightforward unsecured applications may receive a decision quickly, while larger or secured facilities usually require more information and take longer.
How long does my business need to have been trading?
Many lenders prefer businesses with an established trading history, but options may still be available for newer businesses where the overall proposal is strong.
Can start-up businesses apply?
Potentially. Funding for a start-up is usually assessed against the business plan, forecasts, experience of the directors, personal investment and any security available.
Will I need to provide a personal guarantee?
A personal guarantee is commonly requested for unsecured business borrowing, particularly from limited companies. Requirements vary by lender, and we’ll explain your responsibilities before you proceed.
What information will I need to provide?
This may include business bank statements, accounts, details of existing borrowing and an explanation of how the funding will be used. Larger applications may also require management information or forecasts.
Can I repay the loan early?
Many lenders allow early repayment, but settlement charges or minimum interest may apply. The terms should always be checked before entering the agreement.
Can I refinance existing business borrowing?
Yes. Refinancing may help consolidate facilities, reduce monthly commitments or move existing borrowing onto a structure that is more suitable for your business.
Will applying affect my credit profile?
Some lenders conduct an initial soft search, while others may carry out a full credit search. We’ll explain the likely process before submitting an application where possible.
Can I apply after being declined by my bank?
Yes. A bank decline does not necessarily mean that funding is unavailable. Different lenders have different criteria and may assess your application in a different way.
What interest rate will my business receive?
Pricing depends on the lender, amount, term, business performance, credit profile and overall level of risk. We’ll explain the total cost and repayment structure clearly before you decide whether to proceed.
Ready to move your business forward?
Whether you’re managing cash flow, investing in growth or preparing for your next opportunity, we’ll help you find the Business Loan that is right for your business.
Speak to an expertNo pressure. Just a straightforward conversation about your business and what you’re looking to achieve.
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