Ultimate Loan

Our most popular and flexible business loan for whatever you want, whenever you need it.

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What our customers say


Max 24 months








These results are indicative and representative of your business having a good credit score rating. APR 50.7%

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Fast and flexible funding

Whether you're buying equipment, covering cash flow or expanding, our Ultimate Loan is a straight forward business loan with no hidden fees or surprises to help your company grow.

  • Cash within a day of signing your agreement
  • UK businesses turning over at least £75,000 per annum are eligible
  • Apply online or call 0800 121 7757 and receive a quick decision
  • No set up fees or hidden charges

More details about eligibility

Give me the facts

ELIGIBILITY New start or established UK businesses looking to turn over at least £75k per annum
AMOUNT £7,500 to £250,000
DURATION 3 months - 24 months
INTEREST RATE 2% per month
FEES No set up fees
APPLICATION PROCESS Online application form and underwriting checks
SECURITY REQUIRED Personal guarantee (plus additional documents dependent on your business)
SPEED OF DECISION Easy online application and quick decision
TIMING OF CASH Within 1 working day of signing your agreement
REPAYMENT Direct Debit (monthly or weekly repayments)
PERSONAL SERVICE Dedicated customer support team
BEST FOR... A simple cash loan paid back in instalments

How to apply

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Apply online

Use our quick loan calculator and submit your application in 2 minutes

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Set up your account

One of our funding experts will contact you by phone to run through the final details

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Sign your agreement

Once you’ve been fully approved you can sign your funding agreement

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Access your funds

Access your funds within 1 working day and take your business to the next level

Your questions answered

Ultimate Loan

Who would benefit from the Ultimate Loan?

The ultimate loan is perfect for any UK business with a minimum turnover of £75,000. The funds can be used towards any project your business has or simply to ease your access to vital cashflow.

How much will it cost me?

We don’t charge set-up fees or other admin costs*. Instead, we have a set interest rate which will be outlined in your agreement. It starts at 2% per month and is based upon your business credit score.

*Late payment charges may apply.

What are the repayment terms?

We’ll ask you to set up a direct debit to make your monthly or weekly repayments. Direct Debit is the safest and easiest payment option and means you don’t need to worry about setting up a reminder for each payment.

Can I change the loan amount during the repayment period?

Yes. We don’t charge a penalty for increasing the amount you’re borrowing or the duration. Please note the maximum duration of the loan is capped at 2 years.

What happens if I’m able to repay the loan earlier than planned?

No problem. We will be able to offer you a rebate on the interest against a small fee. Please get in touch with your dedicated funding expert for more information.

Are there any charges I need to be aware of?

In the event that no payment or communication from you has been received as per your agreement, we will need to apply admin charges in part to cover our cost of recovery. Please note some banks may also charge you for failed direct debits (where there are insufficient funds for a scheduled payment).

What is an admin charge?

Admin charges are only applicable in the following circumstances:


- For each failed debit card payment attempt a £5 charge will be incurred (max 2 attempts per day).

- A £20 charge will be incurred for each outbound telephone attempt made after any payment default (max £20 per day).

- A £10 charge will be incurred for each outbound email sent after any payment default (max £10 per day).

- If two consecutive payments are missed then a letter will be sent via recorded delivery at a cost of £20.

- Should we have no response and need to engage a third party debt collection agency, all of their fees will be added to the outstanding balance of the loan.

What if I don’t meet the payment terms?

Remember: You should only borrow money that you feel you can comfortably repay. By not meeting the payment terms of your agreement you are effectively in breach of the loan terms that you accepted. As a result, a penalty interest of 0.5% will be applied to your account for each day that a payment is outstanding.

What is APR and Representative APR?

APR means annual percentage rate of charge. It is an illustrative rate intended to help you make comparisons against other products. It reflects the annual cost of credit, taking into account the rate of interest and any fees charged for taking out the loan.


Representative Annual Percentage Rate (representative APR) is based on our reasonable expectations of what customers are likely to receive, taking into account the APRs of past agreements and calculated in accordance with guidelines provided by regulators. Actual rates charged may vary depending on specific characteristics of each loan and borrower. 


For example, a £15,000 loan repaid over a 12 month period with an interest rate of 2.0% per month (fixed) the APR would be 50.7%. The total amount repayable would be £18,600.


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