Limited company loans

14 of 14 results

Finder Score	Loan type	Loan amounts	Loan terms	Minimum turnover/trading criteria	Key benefit
9.2Excellent Capital on Tap Business Rewards Credit Card Finder Award	9.2Excellent	loan	£1,000 to £250,000	No specified loan terms	£24,000 annual turnover, no specified minimum time trading	Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)	Go to site View details Compare product selectionCompare	loading
9.2Excellent Funding Circle Short Term Business Loan	9.2Excellent	Fixed rate loan	£10,000 to £250,000	6 or 12 months	No specified minimum turnover, 1 year trading	Go to site View details Compare product selectionCompare	loading
9.2Excellent Capital on Tap Business Credit Card	9.2Excellent	loan	£1,000 to £250,000	No specified loan terms	£24,000 annual turnover, no specified minimum time trading	Earn 1 point for every £1 of card spend. Redeem 1 point for 1p (1% cashback)	Go to site View details Compare product selectionCompare	loading
9.2Excellent Barclays Secured and Unsecured Business Loans	9.2Excellent	Fixed or variable rate loans	From £1,000	12 to 240 months	No specified minimum turnover or time trading	Subject to application, financial circumstances and borrowing history. Other terms may be available.	View details Compare product selectionCompare	loading
8.8Great Nationwide Finance Business Loans	8.8Great	Secured loan	£6,000 to £10,000,000	12 to 72	No specified minimum turnover or time trading	View details Compare product selectionCompare	loading
8.7Great Rise Funding Unsecured Business Loans	8.7Great	Fixed or variable rate Unsecured loan	£10,000 to £2,000,000	3 to 72 months	£150,000 per annum annual turnover, 1 year trading	View details Compare product selectionCompare	loading
8.7Great Portman Finance Business Loan	8.7Great	Fixed or variable rate Asset finance loan	£10,000 to £2,000,000	3 to 72 months	£100,000 annual turnover, 1 year trading	View details Compare product selectionCompare	loading
8.5Great Kriya Small Business Loan	8.5Great	Fixed rate Unsecured Peer-to-peer loan	No specified loan amounts	No specified loan terms	£50,000 annual turnover, 2 years trading	View details Compare product selectionCompare	loading
8.5Great Rise Funding Asset Finance	8.5Great	Asset finance loan	£10,000 to £2,000,000	3 to 72 months	£150,000 per annum annual turnover, 1 year trading	View details Compare product selectionCompare	loading
8.5Great iwoca Flexi-Loan	8.5Great	Variable rate Unsecured loan	£1,000 to £500,000	1 to 24 months	£25,000 annual turnover, 6 months trading	Your business loan rate varies based on your circumstances. Interest applies only to your outstanding balance on days you use the loan – there are no early repayment fees. Limited companies only.	Representative example: Borrow £10,000 over 12 months at a rate of 40% p.a. (variable). Representative APR 49% and total payable £12,294.	View details Compare product selectionCompare	loading
7.9Great Tide Start-up Loan Finder Award	7.9Great	Fixed rate loan	£500 to £100,000	12 to 60 months	No specified minimum turnover, max 36 months trading	Connect your business bank account and gain access to business loans (Terms & Conditions apply).	6% APR representative (fixed).	View details Compare product selectionCompare	loading
7.9Great Cubefunder Flexible Business Loans Finder Award	7.9Great	Fixed rate loan	£5,000 to £100,000	3 to 12 months	£4,000 annual turnover, 3 months trading	Flexible repayment plans with no late payment penalties or early repayment penalties. Receive funds within 48 hours.	Fixed cost of credit.	View details Compare product selectionCompare	loading
5Standard Kriya Invoice Finance	5Standard	Peer-to-peer loan	No specified loan amounts	No specified loan terms	£100,000 annual turnover, 1 year trading	Choose specific invoices to sell or leverage your entire sales ledger. Receive up to 90% of your invoice within 24 hours then the remainder, minus fees, when your customer pays.	View details Compare product selectionCompare	loading
5Standard The Start Up Loans Company Start Up Loan	5Standard	Fixed rate Unsecured loan	£500 to £25,000	1 year to 5 years	No specified minimum turnover, max 2 years trading	View details Compare product selectionCompare	loading

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Showing 14 of 14 results

Finder Score for business loans

To make comparing even easier we came up with the Finder Score. Costs, speeds and features across 50+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.

Read the full methodology

What is a limited company loan?

A limited company loan is any form of business loan or finance that’s available to limited companies. This includes products like unsecured business loans, asset finance, invoice finance, business line of credit and business overdrafts.

In the UK, a limited company refers to a business where the managers of the company are distinct from the owners, as is the case with publicly listed companies.

Can limited companies get loans?

Yes, limited companies will normally be eligible for most types of business loan. This includes both loans from commercial lenders and those offered as part of the government-backed British Business Bank.

How much can a limited company borrow?

This will depend on things like your annual turnover and trading history, as well as the type of loan your company requires. Some lenders offer business loans up to £500,000, and larger businesses may be able to borrow even more.

What types of business loans can a limited company get?

Limited companies are eligible for:

What can I use a limited company loan for?

You can use a limited company loan for any worthwhile business purpose, such as managing cash flow, funding growth, expanding your workforce, purchasing expensive equipment or premises or for other business-related costs.

However, certain types of business loan, such as asset finance, can only be used for specific purposes. In the case of asset finance, this would be to fund the purchase of equipment or other asset.

Am I eligible for a limited company loan?

In order to be eligible for a limited company loan, you will generally need to meet the following criteria:

Be at least 18 years old
Be a UK resident
Have a business that is registered and trading in the UK

You may also need to provide additional documentation, such as business plans and trading history, and meet certain other requirements, such as minimum annual turnover and trading history, to be eligible for a loan.

How to apply for a limited company loan

Find the type of loan you require. There are different types of loan for things like purchasing equipment or improving cash flow, so make sure you’ve first identified what you need the loan for.
Work out how much you need to borrow. It’s important to only borrow as much as your company requires to avoid expensive and unnecessary interest repayments.
Compare lenders. There are a range of commercial lenders and brokers that specialise in certain types of business loan.
Check your eligibility. Once you’ve found the right lender, confirm that your business meets its lending requirements.
Apply for the loan. Contact the lender directly in order to start your application.

Pros and cons of limited company loans

Pros

There's a range of commercial and government-backed loans available
As a limited company, you may have more lending options than other types of business

Cons

You'll likely need to provide detailed documentation in order to get a loan
You may be ineligible for certain types of loan

Bottom line

As a limited company, you should have a number of business loan options that can help you better manage your business. However, it’s important to first identify the specific type of loan your business requires before applying.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

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Written by

Tom Stelzer

Writer

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Tom Stelzer is a writer for Finder specialising in personal finance, including loans and credit, as well as small business and business loans. He has previously worked as a freelance writer covering entertainment, culture and football for publications like FourFourTwo and Man of Many. He has a Master of Media Arts and Production and Bachelor of Communications in Journalism from the University of Technology Sydney. See full bio

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