Start-Up Loans

Starting up a business? Apply for funding today

What we offer

Unsecured Business Loans

A traditional Lending 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

Similar to its unsecured counterpart, but with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets within your company, such as equipment, plant or vehicles.

Benefits of Start-Up Loans

Start-up loans are a funding solution to help new businesses begin trading. Traditional business loans can be difficult to acquire within your first period of trading, as most lenders ask for a high turnover, or 12 months successful trading history. If you haven’t yet achieved this level, a start-up loan may be your best option.

Start-up loans are unsecured, so no assets will be held under the product, although a Personal Guarantee will be taken, making you personally liable for repaying the full loan amount plus the agreed interest amount. Start-up loans can give you access to between £500-£25,000 (subject to interest), made in payments over a period of one to five years. These payments will typically be regular, monthly payments of the total loaned sum plus your arranged interest fee.


    Start-up loans can be used for any business expenses. This can be anything from building up your working capital or purchasing equipment, to ensuring you never miss payments to a supplier, or to your staff. Maintaining cash flow is extremely important, especially for a new business, as you begin to make commitments to different expense payments on a monthly basis. A strong working capital cycle, and a consistent cash flow will allow this to happen, and will benefit you greatly.

Once an application has been submitted to our panel of lenders, a decision will be made within 24 hours. The lender, the industry you trade in, and the state of the market at the time can all affect the turnaround time of the process. Funds can be transferred within 24 hours of approval, although typically it is within 72 hours.

Eligibility

Turnover

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

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

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

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FAQs

How much will a Start-Up Loan cost?
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The cost of a start-up loan for your business will vary from business to business. The cost will be calculated upon the amount of funds being borrowed, plus the agreed interest rate, which typically starts from 4%.

Am I eligible for a Start-Up Loan?
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Almost every business is eligible for a start-up loan. The main criteria for the product are as follows.

You must be 18 years or over
You must live in the UK
You must be starting a new business, or have been trading for under 2 years
Your business must be based in the UK

How long does it take to arrange a Start-Up Loan facility ?
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A start-up loan can be arranged for your  business within a month. This product relies on your business being prepared to start trading, so if you aren’t quite ready, get prepared before you apply!

How much money can I get through a Start-Up Loan facility ?
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With a start-up loan facility, you can apply for anything between £500, and £25,000.

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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