We are a principal lender and focus on giving small to medium businesses fast loan facilities

From £30,000
to £500,000

Over 4 weeks to 4 years

Proper loans for proper businesses.

Our easy process ensures swift results. Loans can be approved in as little as
24 hours and your business can receive funding within 2 days.


Apply online in 5 minutes

Our loan application process is quick and easy so that we are able to give you a decision as soon as possible.


Borrow anywhere up to £500,000^

Your repayment schedule will depend on your circumstances and loan amount over the period needed.


Get approved in 24 hours

If you’re approved for a loan, you will have a decision quickly, enabling you to receive your funds within 2 business days.

Who can we help?

What does our business need to get started and be considered for a QFCL loan?
  • UK Limited Company^
  • Trading for 18 months or more
  • Have filed at least one set of accounts with Companies House
  • UK bank account
  • At least one UK individual resident director
  • Last 6 months bank statement available for review

Why choose QFCL?

  • Competitive Interest Rates
  • Fast loan completions
  • Personal service
  • Easy online initial application
  • Flexible terms and loan types
  • Weekly, four weekly and monthly interest loan types
  • Fixed term loans, revolving credit facilities and more (subject to terms)
  • All industries and sectors considered.
  • UK limited companies^

Try our quick loan calculator!

You can use the slider below to visualise the potential cost of a loan. The calculator assumes a 1% weekly interest rate for demonstrative purposes.

From £30,000 to £500,000
Please enter a number from 30000 to 500000.
4 to 208 weeks
Please enter a number from 4 to 208.

Weekly repayments

Based on the information you entered your estimated weekly repayments would be:

With a representative weekly interest rate of 1% (on balances outstanding).

Get a quote by providing us with some additional details. This will allow us to arrange the most suitable loan options and corresponding interest rate based on your specific circumstances.

Apply Now

No impact on your credit score.

Please note that this loan calculator is for illustrative purposes only. The actual rate for your loan will be determined by your specific circumstances. For comprehensive details please refer to the full Terms and Conditions.

Frequently Asked Questions

Will applying for a business loan affect my credit score?

Submitting an application will not have an impact on your credit score. We perform soft searches and assess the criteria in the application, which will not affect your credit score.

Can I repay early?

Yes. You have the option to make early repayments, we won’t charge any additional fees.

How are you different from a bank?

As an independent lender our decisions are based on the criteria provided within the application form. Whilst we can provide loans and funds at a faster pace compared to traditional banks, it is important to note that we will require collateral, guarantees or security for a loan.

How long does the process take?

It takes 5 minutes to apply for our small business loans and in almost all cases you’ll get a decision in 24 hours. Once approved, we aim to have the funds in your bank within 48 hours.

What can I use my loan for?

You can utilise your loan to expand your business, which may include increasing your inventory, renovating your premises, hiring extra staff, investing in marketing and sales initiatives or enhancing your overall cash flow to strengthen your business operations.

What if I require further funds?

Should you require additional funds, we can explore the option to increase your loan. We will typically consider this once a portion of your loan has been repaid. An assessment will be carried out within a secondary application.

Apart from the interest will there be any additional fees?

On simple loans usually not. When security requirements are complicated, there may be some legal or administrative fees, but we will explain about these in advance.

How is the weekly repayment calculated?

The weekly repayment fee will be determined by the desired loan amount over a period of weeks, calculated at a rate we will confirm to you. We make necessary adjustments to calculate your fee accurately over the specified period. Please note that interest rates are subject to change. The loan calculator and final decision will reflect the updated rates upon full submission of an application.

Are there any application fees?


Is a personal guarantee required?

In certain circumstances, depending on the business turnover, a personal guarantee may be required.

Questions and Support

We are here to help with your application or any questions. The fastest approach is to use our online application if you are a UK limited company.

If you have any questions, are not a UK limited company (i.e. your business is a sole trader, partnership or limited liability partnership) please contact us:

Email: [email protected]

Telephone: 0333 577 5427

^Other business legal entities such as sole trader, partnerships and limited liability partnerships may be considered, please contact us directly if you wish to be considered for a loan but are not a UK limited company. Contact Us