Business Loans
Secured or unsecured, for hiring, training, new machinery, a new opportunity or simply covering a temporary gap. Unsecured decisions in as little as 24 hours.
Funding in as little as 24 hours
Business loans, approved lightning fast
Fast. Simple. No Hidden Fees.
If you need quick funding we have you covered. Lightning Business Loans delivers rapid approvals and funding in as little as 24 hours, so you can keep moving without the hassle of traditional banks.
Lightning is a credit broker, not a lender. As a whole-of-market broker, we search 100+ lenders to find business finance that fits.
Get started today
A quick, hassle-free application with a decision often the same day. Loans from £10,000 to £2,000,000.
Start my applicationApplying won’t affect your credit score
Backing UK business
Money that moves as fast as you do
£10k–£2mBusiness loan range
24hrTypical funding speed
£0Hidden fees
What we fund
Finance that fits the job
Whatever the money is for, we search the market and come back with the options that actually suit your business.
Asset Finance
Fund new machinery and equipment without draining your cash flow. Spread the cost and keep your working capital where it belongs.
Asset Refinance
Already own vehicles, plant, agricultural or engineering equipment? Release a cash lump sum against what it is worth. Part-owned assets count too.
Property Finance
Commercial mortgages, development finance, bridging loans and portfolio deals, for owners, investors, developers and landlords.
Commercial Vehicle Finance
Put vans and trucks on the road without tying up your capital. We search the market for terms that suit the fleet you have and the one you are building.
Invoice Finance
Stop waiting 30, 60, 90 or 120 days to get paid. Release the cash tied up in invoices you have already raised.
Growth Guarantee Scheme
A UK Government-backed scheme helping smaller businesses borrow to grow, invest and manage cashflow. Delivered by accredited lenders and administered by the British Business Bank. Terms up to 6 years.
Not sure which one fits? Tell us what the money is for and we will come back with the options.
Why choose us
Built to get you funded, fast
Everything about Lightning Business Loans is designed for speed, choice and complete transparency, so you can get on with running your business.
Lightning-fast approvals
A quick decision on your application, often the same day. No waiting weeks on a bank.
More routes to a yes
Had a no from the bank? Our whole-of-market panel of 100+ lenders finds another route.
Flexible terms
Loans from £10,000 to £2,000,000, structured around your cashflow and comfort.
Cash in your account fast
Approved funds can land in as little as 24 hours, so you can put them to work straight away.
No hit to your credit score
Getting a quote and applying won’t affect your credit rating. Check your options freely.
Fully transparent
No hidden fees and no surprises. You see the full picture before you commit to anything.
Loan calculator
Business Loan Calculator
Move the sliders to size your loan and term. It’s an illustration to get you started. Our experts will confirm the exact rate once you apply.
£10,000£2,000,000
372
Your credit profile
Illustrative monthly repayment
£3,321/mo
Get my real rateBased on an illustrative 12% a year. This is an illustration, not an offer or a quote. Figures are for illustration only and do not constitute a quote or an offer of finance. Rates are subject to status, affordability and lender criteria.
How it works
Our Lightning-fast process
Apply online in minutes
Simply share basic details about your company. The application is quick, hassle-free and takes just a few minutes. Our team is ready to help with any questions.
Approved in only a few hours
Our expert team and trusted network of lenders match you with the right financing solution for your needs, and give you everything to make a fully informed decision.
Funds in a few days
Most deals complete in a few days, and approved funds can land in as little as 24 hours, ready to put to work right away.
Sometimes even same day. Start step one
Who we help
Funding for ambitious UK businesses
If you’re a business owner or service provider in need of quick capital, we’ve got you covered. Whether you’re scaling fast or looking for a better financing solution, Lightning Business Loans is here to get you funded, fast.
- Limited companies
- Trade, retail, hospitality & services
- Scaling fast or steadying cashflow
Apply now
Get started in minutes
Tell us a little about your business and one of our funding specialists will be in touch. Applying won’t affect your credit score.
Apply for funding
See your options in 30 seconds. No obligation. This will not affect your credit score.
- Fast decisions
Most applications get an answer within hours, not weeks.
- Secure & confidential
Your details are handled securely and never shared without consent.
- Speak to a real expert
Prefer to talk? Call us on 0203 28 58 333 and we’ll help.
- FCA regulated
Lightning Business Loans is a trading style of Highland Business Finance Ltd, which is authorised and regulated by the FCA.