SME Business Loans Simple.Flexible.Better.

Looking for a Business Loan?

Explore our range of loan options for UK limited companies trading over 1 year and who meet our minimum turnover criteria of £120,000 per annum. 

Check If I Qualify
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Borrow £10k - £250k

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6 months – 5 Years

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Pay Early, Pay less

2 min

Apply in 2 mins

24 hour

Funds in 24 Hours

 

                     

 

Expert Business Funding for UK SME’s

Get an unsecured business loan with Century - the only business finance company in the UK dedicated to just business loans.

We are not a jack of all trades. We are a master of one. 

Our business loans are simple, flexible and quick. So don’t be held back any longer. Get started today on obtaining the funding your business needs. 

Our Business Loans

Check If I Qualify

Check Eligibility without affecting your credit score. 

Step 1

Check if you’re eligible in 20 Seconds

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Apply online in 2 mins

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Get your decision

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Funds paid into your bank within 24 hours

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What our clients say

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“Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
Jonathon Ison
“The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
Wale Towolawi
“No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
Owl Education Ltd
“Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
Mark Gill
“Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
Davis Sanassy
“Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
Upul Ekanayake
“Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
Alan Gates
“Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
Nat
“First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
John Bailey
“Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
Mike Finnigan
“I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
Marlon Carrington
“Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
Justin Jones
“I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
Finance Department
“A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
Ryan White
“Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
Dan Currey
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku
“As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
Alliance Speciality Care
“The customer service from John was great, very friendly and efficient. Would definitely recommend”
Katie
“We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
Martyn Solari
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku

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Frequently Asked Questions

How long does the process take?

Lenders we deal with are much much faster than your bank so typically 24 hours from start to finish but other factors can and do play a part such as, how quickly the applicant provides the info required or how quickly they respond to questions asked.

How much can I borrow?

We provide loans ranging from £10,000.00 - £250,000.00 but each cash is assessed on individual merit. Factors that play a part in our credit risk assessment are: Time Trading, Cashflow, Profit, Balance Sheet Info, Existing Exposure with other lenders, Business payment history, personal payment and credit history of the directors. We always strive to be realistic and not lead people up a garden path, promising the earth. A young business which makes a loss isn’t going to get as much money as a well-established, highly profitable business with a strong balance sheet. That’s the reality. But we help ALL types of businesses and we undoubtably should be able to find something for you.

What’s the rate?

There isn’t a one size fits all interest rate. All applications are assessed on their own merit. This is both logical from a risk point of view and also responsible both from a lending & borrower perspective.

Is there a personal guarantee?

In short, yes. But people often get confused with regards what this entails. A Personal or Directors Guarantee (PG or DG), is not a legal charge on your house or assets. It’s a legal promise from you the business owner to the lender that if the business fails to pay, you will help. A PG/DG does not show up on your personal credit file and it does not prevent you from selling your home and moving house.

Can I repay the loan early?

Yes you can. But how much you have to pay varies from lender to lender. Some will want the full terms capital and interest, others will offer a percentage discount, some just want interest up to and including the point of settlement.

What information do I need to provide?

Nothing complicated that’s for sure. Business name, owners’ details, latest set of year end accounts, last 6 months business bank statements. That’s the standard, basic info and most of the time that will suffice. You could be asked for further info but again, it’s usually nothing to complicated or intricate.

What do I do if I miss a payment?

Don’t ignore calls or emails. That’s rule number 1. Lenders aren’t in the business of going legal, so long as the lines of communication are open. They’re not monsters and will always work with you to find a solution.

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Unlock Your Business Growth: Check Your Loan Eligibility 20 Seconds

See if your UK business qualifies for funding in just 20 seconds.