Short Term Business Loans

In need of an injection of cash? A short term business loan may be the solution.

Apply for a short term business loan for working capital, business expansion, or debt consolidation.

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

Benefits of Short Term Business Loans

A short term business loan, is a funding solution in its most traditional form. Business Loans work by transferring funds into your bank, operating as an injection of cash to your business, which will need to be repaid with interest within the agreed term. With a short-term business loan, this agreed term will be between 3 and 24 months. Longer term loans are available, through an Unsecured Business Loan, or a Secured Business Loan. There are multiple other forms of Short Term funding, such as a Merchant Cash Advance, or an Invoice Finance products such as Factoring, or Invoice Discounting.

Short term business loans have plenty of advantages. They typically have a very quick turnaround time, which is ideal if you need a quick injection of cash. The funds can be transferred within as quick as 24 hours, with approvals being instant in some cases. The criteria for short term loans are also typically not as stringent as other products.  This is because the term is shorter, meaning less risk on the lender’s behalf. Short term loans are also cost effective, as you are not tied into paying back interest over a matter of years. There are a few negatives to short-term loans compared to other products. Short term loans typically have higher interest rates, as the interest and fees are over a much shorter period of time. This means your monthly costs will be higher than that of a traditional business loan. If higher monthly repayments is not something you can justify, perhaps a different product would suit you and your business better.

Eligibility

Turnover

Unless you are a new start-up company, the minimum turnover most lenders will start at £100,000 turnover.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for your first year of trading, we can then approach our panel of lenders to apply for a Short Term Business Loan.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Limited Companies.

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FAQs

How much will a Short Term Business Loan cost?
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Short term business loans vary in cost. Lenders have their own costing model to compute the interest rates on funds being loaned out, although they typically start from around 1.5%. This will be assessed against your business profile, as well as the amount of funds being approved, and the loan term.

Am I eligible for a Short Term Business Loan?
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Eligibility varies largely from lender to lender, with some much more flexible, some more rigid. The basic criteria for applying for a Short Term Business Loan is as follows:
£100k minimum turnover
UK Limited Company

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange a Short Term Business Loan?
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A short term business loan can be arranged and processed within 24 hours. Short term loans typically have a faster turnaround time than other products, meaning you can have access to funding very quickly. Approvals with Short Term Business Loans can be almost instant, and funds can be in your bank within 24 hours.

How much money can I get through a Short Term Business Loan?
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Business Loans can vary hugely in amount. With a Short Term Business Loan, anything between £10,000 and £500,000 can be funded. The amount offered will depend on mulitple factors, such as the strength of your business profile and your turnover.

Why JD Capital Finance?
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We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

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“  Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

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