Short Term Business Loans
Quick, flexible loans for your small business with fast approvals, easy applications, and funding tailored to grow our business.
Borrow anywhere between £10,000 - £750,000 in 24 hours with repayment terms from 3 - 12 months
This will not effect your credit score
Get a quote in minutes!
Pick your loan amount, term length, add a few details, and we’ll tell you if you’re eligible.
This will not effect your credit score.
Learn more
Why choose a short-term business loan?
Need cash fast? Short-term business loans from Approved Finance Group are designed to provide a quick, flexible financial boost when your business needs it most. Perfect for covering gaps of 3 to 12 months, these loans help with unexpected expenses, managing cash flow, or quickly purchasing stock.
Think of it as a fast-acting solution that keeps your business moving forward without the long-term commitment of a traditional loan. And if your term comes to an end and you need a little extra, we also offer easy top-ups to ensure your business stays on track.
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Approved for your success
What are the advantages of a short-term business loan?
"Short-term business loans are an ideal solution for businesses that need quick access to cash without the commitment of a long-term loan. They provide flexibility, help manage cash flow, and allow companies to seize opportunities or cover unexpected expenses with confidence."
George Tartaglia - Senior Broker
Fast Access to Cash
Short-term business loans provide rapid funding, often within 24–48 hours, helping businesses cover urgent expenses or seize time-sensitive opportunities.
Ideal for Managing Cash Flow
Perfect for bridging gaps between payments or seasonal fluctuations, short-term loans help maintain smooth operations and ensure bills and suppliers are paid on time.
Flexible Repayment Terms
These loans typically have terms of 3 to 12 months, allowing businesses to repay on a schedule that suits their cash flow without long-term financial strain.
Boost for Growth Opportunities
Whether it’s purchasing stock quickly, taking on a new project, or responding to unexpected demand, a short-term loan gives your business the financial agility to act fast and grow.
Flexible Financing Options for Every Business
At Approved, we don’t believe in one-size-fits-all financing. That’s why we offer a range of business loans including Unsecured, Secured, Small Business, and Short-Term Loans, each tailored to help your business grow its own way. Whether you need quick cash flow support or funding for long-term expansion, we’ve got you covered.
Unsecured Business Loans
An unsecured business loan is financing based on your business’s potential and creditworthiness, no collateral required. That means your assets stay safe while you access the funds you need to grow.
Why choose an unsecured loan?
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No Collateral Required: Your property, equipment, or other assets stay protected.
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Fast & Simple Approval: Without collateral, approvals are quicker and less complicated.
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Flexible Use of Funds: Use the money for expansion, inventory, marketing, or cash flow management.
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Peace of Mind: Enjoy hassle-free access to funds without risking your business assets.
Application Process
Get Approved, Get Going!
Discover our streamlined process for securing tailored financial solutions. We keep our business finance options transparent, with no hidden fees or unpleasant surprises. This is business finance made easy. Our no-obligation application won't impact your credit score.
Fast Application in Seconds
Share basic information about you, your business and finance requirements by applying online or calling.
Understanding Your Business
A dedicated account manager will discuss your requirements and gather necessary documentation.
Receive Your Free Quote
We'll discover the best deals, handle applications for you, and provide a quote with no obligations.
Get Your Funds Fast
Once Approved, we'll get funds to your preferred business bank account or pay a supplier on your behalf.
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FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
What is a short-term business loan?
A short-term business loan is a flexible financing option designed to provide your business with quick access to cash, typically repaid over 3 to 12 months. It’s ideal for managing cash flow, covering unexpected costs, or seizing growth opportunities.
How quickly can I get a short-term loan?
With Approved Finance Group, funds can often be available within 24–48 hours after approval, giving your business the speed and flexibility it needs.
What kind of credit rating do I need?
Even if your credit history isn’t perfect, your business may still qualify. Lenders assess your trading history, cash flow, and overall financial stability rather than focusing solely on credit score.
How much can I borrow with a short-term loan?
Loan amounts vary depending on your business needs and financial position. Approved Finance Group offers flexible amounts to suit a wide range of UK SMEs. Typically short-term business loans can range anywhere between £10K to £750K.
Can I top up my loan if I need extra funds?
Yes! If your initial term comes to an end and you require additional funds, Approved Finance Group offers top-ups to ensure your business stays financially agile.
Who is eligible for a short-term business loan?
Short-term business loans are available to UK SMEs with a stable trading history and the ability to make repayments. Eligibility is assessed based on your business’s financial health rather than just credit history.
What are the monthly repayments like?
Monthly repayments depend on the loan amount, term, and interest rate. Short-term loans are designed to be manageable and tailored to your cash flow.
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You are just minutes away from making it happen!
Highly Competitive Rates
Fast Application Process
Borrow between £10K - £10 Million
No effect on your credit score
Rosie-Kay Newbury
Credit Partner
Approved Business Finance Ltd is an independent asset finance brokerage and not a lender. This means we can introduce you to a wide range of finance providers based on your requirements and circumstances. However, we are not independent financial advisors and therefore cannot offer independent financial advice. If you choose to enter into an agreement with a finance provider, we may receive payment(s), commission, or other benefits from them.
We are committed to delivering the highest standards of service to our customers. If our service does not meet your expectations, we will make every effort to address any concerns and reach a resolution. Transparency is important to us, and we aim to be clear about how we operate, including how we are compensated for the services we provide.
Approved Business Finance Ltd is an Appointed Representative of AFS Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (firm number: 625035). We are a Franchisee of Asset Finance Solutions (UK) Ltd. Approved Business Finance Ltd is incorporated in England and Wales (company number: 11914104) with its registered office at Seebeck House, Seebeck Place, Milton Keynes MK9 8FR.
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