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your ultimate one-stop-shop for flexible business loans

Borrow from £5,000 to £500,000 for as short as 3 month to up to 24 months

LoanTube is a credit broker not a lender. You must be a UK based business.

Get funded with ease in
3 simple steps


Tell us how much you need, for how long you need and some details about your business.


Our loan experts will search the market and find you the best loans.


Get your money fast, sometimes in just a few hours.

We've Partnered with the Best in the Business

Offers from highly reputed British Lenders to help with your financial needs.
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What are Flexible Business loans?

Small and medium-sized businesses often encounter diverse financial needs, from temporary cash flow challenges to funding new equipment or expertise to facilitate business growth and diversification. Access to capital is crucial for sustained success. Unfortunately, securing a flex business loan can be a challenging task for various reasons. Businesses with a short trading history, those operating in high-risk sectors, or those not yet generating substantial profits may encounter difficulties in finding a suitable source of financing. Also referred to as a flexible loan, a flexible business funding empowers borrowers to adjust repayments based on their financial situation, allowing for both higher or lower payments as circumstances permit. Additionally, borrowers can modify the total borrowed amount and sometimes skip occasional payments, depending on the specific product.

How does a Flexible Business loan work?

These loans represent a form of financing tailored for commercial entities rather than individuals, typically requiring monthly repayments. The borrowing range for a business loan will depend on your business’s financial health and repayment capacity. Consequently, the actual borrowing limit for each company can differ significantly.

Moreover, there exists a diverse array of repayment terms, typically ranging from one month to several years. Opting for a more extended repayment term can render monthly payments more manageable and potentially secure a lower interest rate. However, it’s essential to note that, over the loan’s duration, a longer-term commitment generally results in paying a higher overall interest compared to opting for a shorter repayment term.

What are the Pros and Cons of getting a Flexible Business loan?


Quick availability of funds
No risk to property or assets in case of repayment delays.
Flexibility to utilise funds as needed within the business.
Option to lower interest through prompt repayments or to secure additional borrowing when necessary.


The adaptable nature of the arrangement might lead certain businesses to extend their repayment timelines unnecessarily.
There’s no assurance that the loan will positively impact the business’s financial well-being.
Borrowing entails an interest cost, diverting profits away from the company.
Adequate planning could result in funds being utilised efficiently.

Educated guesses aren't good enough

You choose the terms, we do the math.
Check your affordibility with our Business Loan calculator and make an informed financial decision.

Business Loan calculator

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

3 Years

Total repayment


Monthly repayment





14.4% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

How do you apply for a loan through Flexible Loan?

A diverse range of organisations can benefit from such business loans. To qualify, businesses or entities must be legally established, maintain a business bank account, and possess the necessary documentation to substantiate financial information.

Potential applicants encompass:
Small businesses (including sole proprietorships)
Legally constituted community groups

However, these loans may only be beneficial for a few reasons. Upon missing your business loan payments, the lender will likely reach out, notifying you of the delinquency and attempting to find a resolution. If you fail to respond and your loan defaults, the lender will try to collect your outstanding debt. You may lose your collateral and business assets. The lender might also sue you, and the business credit score will suffer.

How do you apply for a loan through LoanTube?

You can effortlessly save time and minimise hassle by utilising LoanTube to explore the market and discover the most suitable loans for your requirements.

A background or credit check: It enables lenders to assess your affordability. Your business financial history will help them review your loan application and decide whether the business can afford the loan without any hassle. Also, the Annual Percentage Rate will be determined based on your and your business’s financial background or credit check. The higher the score, the lower the interest rate.

Recent trading history: The recent trading history of your business will give an idea about the type of transactions your firm carries out. The longer the duration of your business operations, the broader the range of available loans from lenders, and the more favourable the interest rates are likely to become. While having a trading history of 18 months or longer is considered ideal, there are still lending options available for newer businesses, so there’s no need to worry.

A business health check: Lenders will also need to understand the overall health of your business. The profit it makes, the revenue it generates, and the losses (if any) it has to decide. Such information will give an idea about how stable your business is, and the lenders will choose accordingly.

Our close collaboration with numerous lenders enables us to identify the ideal match for your loan needs. Applying through LoanTube is seamless, ensuring you access the best offers available in the UK credit market.

Why use LoanTube?

Using LoanTube will help you finalise your inquiry without affecting your credit profile, and you can consult with our knowledgeable human credit experts for your queries. Listed below are the benefits of using LoanTube.

You can borrow a loan for your business ranging from £5,000 to £500,000
Complete your enquiry with no impact on your credit profile.
A dedicated loan officer will help you with your loan-related queries throughout the process.
We will scour the market and find suitable options for your loan needs.
We explain what is the best option for your needs.
Provide the required documents and to complete your application.
Get the money in your bank account fast.
You do not have to multiply with different lenders separately. With us, you can apply to multiple lenders with a single application form.

Business loans to cover your every need

Supporting all your financial needs through thick and thin.
Fill up a quick application to find best loan deals for your:

Business Expansion


Working Capital

Bills payment

Stock Purchase

Machinery Purchase

Other Purposes

Why apply business loans with LoanTube?

Get same day business loans at best rates.
Experience hassle-free borrowing and unmatched transparency with LoanTube

Loans from £5,000 to £500,000

Same Day Funding

Single Application Form

Offers from Multiple Lenders

Convenient & Transparent

Dedicated Loan Officer

Pledge of Integrity

Pledge of Integrity

We do not sell your data, unsolicited, with any third party firms. Find your loan with LoanTube without risking your data.

Apply for business loans with Confidence


Do I need to be the owner of the business to apply for a flexible business loan?
No. Generally, these can be applied by the company’s registered director as well.
What can you use a flexible small business loan for?
This loan can stabilise your cash flow, buy new equipment or supplies for a new initiative, or finance your marketing campaigns. Depending on the financial need of your business, you can use the money you have borrowed.
What is the average interest rate for flex business loans in the UK?
An unsecured business loan typically carries an annual interest rate of 3% to 10%. If a business asset is collateral, the interest rate may be lower than an unsecured loan. In the case of a commercial mortgage, the interest rate can fall within the range of 2% to 7%. However, the range mentioned above is still being determined as the interest rate charged will depend on the credit health and the history of the business.
Can I get a flexible loan with bad credit in the UK?
Yes. Lenders might offer you a flexible business loan even if your business’s credit score is somewhat lower. However, remember that the interest rate of such loans tends to be higher as the risk involved in lending money to such businesses is also higher.
Can a flexible business funding hurt your credit score?
Borrowing this loan will hurt your credit score only if you do not repay the loan on time or completely fail to repay the loan. However, on the other hand, if you repay the loan on time and regularly, your credit score will improve with time.

Valued Customers With Valuable Feedback

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-Matt Thiele
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Very helpful customer service and follow up care. Quick and effecient and represent good legitimate companies. Would use them again.
-Elijah Kamara
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I am so pleased, within a few hours my loan was approved, and I received the loan in my account that great.
-Donovan Hay
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This website was very helpful and I really appreciate your time thanks for your support merry Christmas to you all.
-Laura Treimane-Freimane
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Very fast, very nice. Will make sure that you get money. Perfect thanks
-Maria Sousa
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Simple application online. Good value for money.

Need fast business loan?

LoanTube to your rescue!

Start your loan application today.


LoanTube helps UK firms access business finance through multiple direct lenders. We are an introducer and do not provide loans ourselves.

Think carefully before securing debts against your home or your assets. Your home and assets may be repossessed if you fail to keep up with repayments on debts secured against it.

All loan approvals & quotes are subject to credit checks and affordability requirements by lenders. If your business meet the lender’s criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

LoanTube is a credit broker and not a lender.

Warning: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK

Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: Amount of credit: £50,000 for 24 months at £2,339.38 per month. Total amount repayable of £57,348.69 Interest: £7,348.69 Interest rate: 14.4% pa (fixed).

14.4% APR Representative. Loan term lengths between 3 and 60 months.

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