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Business loans £50k – £500k

The loan that says yes to your business.

Don’t let funding be the thing that holds you back. Get a decision in 24 hours, no lengthy forms, and no dead-ends.

Start your application →
See how it works
  • Won't affect your credit score
  • Decision in 24 hours
  • FCA regulated
  • Soft credit check — no footprint
  • No early repayment fees
  • Funds in as little as 48 hours
  • Human decisions

Work out your loan

See what your repayments could look like.

Use the calculator to get an instant estimate. It won’t affect your credit score — and when you’re ready, applying takes less than 5 minutes.

  • Hire more staff
  • Open a new location
  • Buy stock or inventory
  • Launch a campaign

Your loan estimate

Illustrative only. No impact on your credit score.

£50,000 £500,000
6 months 60 months
Estimated monthly repayment
£0
Indicative rate from 0.9% per month
Total repayable
£0
Apply now — decision in 24 hours

Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator

Why Acceptance

Why business owners choose us.

Easy process

Apply in minutes online. No mountains of paperwork, no endless back-and-forth. Just a simple form and a fast answer.

Same-day funding

Once approved, funds can hit your account the same day. Because when opportunity knocks, you can't afford to wait.

No hard credit pull

Check your eligibility and see what you can borrow without leaving any mark on your credit file. Zero risk to apply.

What we offer

What type of funding do you need?

MOST POPULAR
Unsecured business loan
Borrow without putting your assets on the line. Fast, flexible funding with no collateral required.
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FAST FUNDING
Short-term business loan
Need capital quickly for a specific purpose? Get funded fast and repay within 6–24 months.
Learn more →
CASH FLOW
Working capital loan
Keep day-to-day operations running. Cover payroll, stock, or overheads while revenue catches up.
Learn more →
ASSETS
Asset finance
Fund equipment, machinery, or vehicles without draining your cash. Spread the cost, start working.
Learn more →
INVOICES
Invoice finance
Stop waiting 60+ days to get paid. Unlock cash tied up in unpaid invoices and keep moving.
Learn more →
FLEXIBLE
Revolving credit facility
Draw down when you need it, repay when you can. Like a business overdraft — but bigger.
Learn more →

Put it to work

What can you do with funding from Acceptance?

Whatever your goal, we have a loan that fits. Here’s what our customers use Acceptance funding for.
  • Hire more staff
  • Open a new location
  • Buy stock or inventory
  • Launch a campaign
  • Stabilise cash flow
  • Upgrade equipment
  • Expand or renovate
  • Consolidate debt
Check your eligibility →

Am I eligible?

What do you need to apply?

We keep it simple. No mountains of paperwork — just the basics.

01

Based in the UK

Your business must be registered and trading in the United Kingdom.

02

12+ months trading
We look for at least one year of trading history. Start-up? Talk to us — we may still be able to help.

03

£50k+ annual turnover

We need to see your business generates enough revenue to service the loan comfortably.

04

A director or owner

The application must come from someone with authority to take on debt on behalf of the business.

05

Basic business info
Company number, recent bank statements, and some basic financials. That’s all.

06

Not currently insolvent
Your business must not be in administration, liquidation, or have an unpaid CCJ outstanding.

The process

Four steps to funded.

Most businesses go from application to funds in their account in under 48 hours. Here’s how it works.

Apply in minutes

A quick online form. Tell us about your business and how much you need.

Soft credit check

We check your eligibility without leaving a mark on your credit file.

We say yes

A real person reviews your application and comes back to you within 24 hours.

Money in your account

Sign your agreement and the funds are on their way — often the same day.

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