- Funding, Simplified. Relationships, Prioritised.
Simple Business Finance for UK Limited Companies
1. Application Process
Applying for business finance is simple. You can start your application online in just a few minutes or give us a call to talk it through. During this stage, you’ll provide an overview of your company, your funding needs, and your financial position.
- It’s helpful to have the following ready:
- Purpose of the loan – what you need the funds for.
- Business information – recent bank statements, accounts, or management figures if available.
- Your vision – how the funding will support your company’s growth.
We only work with UK-registered limited companies, and applying won’t affect your credit score.
2. Manual Review & Face-to-Face Meeting
Once we receive your online application or initial phone enquiry, your information is carefully assessed by one of our experienced underwriters. We take the time to understand your business story and future plans rather than relying on a standardised credit model.
We may contact you to request additional details or clarification about your company, ensuring we fully understand your needs before making a decision.
If your application is approved, one of our account managers or sales representatives will arrange a face-to-face meeting at your premises. Meeting our clients in person is central to how we build strong, long-term relationships.
During this visit we’ll discuss the funding in detail, answer any questions, and move towards finalising your finance agreement.
3. Receiving Funds and Payment Schedule
Once your finance agreement is approved and signed, the funds are released quickly to your nominated UK business account. At the same time we’ll provide you with a clear repayment schedule, showing the capital and interest for each instalment and the due dates.
Our emphasis on transparent pricing means you’ll always know exactly what you owe, when payments are due and how much interest you’re paying.
We’ll also explain the terms for early or additional repayments so you stay in full control of your borrowing throughout the life of the loan.
Business Loan Calculator
Get an instant estimate of your monthly repayments with our easy-to-use business finance calculator. Simply enter the amount you’d like to borrow and your preferred term to see how much your repayments could be.
We only charge interest on your outstanding balance, with competitive rates starting from 2% per month. At the start of your agreement you’ll receive a clear repayment schedule showing each instalment and due date — no hidden fees, no surprises.
* Calculations are indicative and intended as a guide only. You may be offered different terms.
Ready to apply? All we ask is:
1. You're a Limited Company.
2. You're UK-based.
3. Provide details about your business.
4. Bank statements via open banking where possible.
*Additional information may be needed depending on the loan size and underwriting requirements.
What can you do with the funds?
Our business loans are practical, giving UK-registered limited companies the freedom to cover immediate costs or invest in growth.
You can use the funds for almost any legitimate business purpose, including (but not limited to):
Purchasing equipment or vehicles to expand operations.
- Paying suppliers or outstanding bills to protect your cash flow.
- Buying stock or raw materials to meet seasonal demand.
- Investing in marketing or new staff to drive sales and growth.
- Covering short-term working capital needs while waiting for invoices to be paid.
Whatever your goal – managing cash flow, seizing a new opportunity or financing expansion.
Our loans are designed to support your business plans quickly and transparently.
Don’t just take our word for it
We take care of the loan, you get back to business.
Like these happy customers…
Questions from our customers
What is the criteria for obtaining a loan?
We are a privately owned finance company that values a personalised approach to finance, with human underwriters who listen to the unique needs, strengths and plans of your business. While official paperwork is necessary, we welcome applications from all UK limited companies, regardless of industry or how long they have been established.
How much can my business borrow?
We typically offer loans between £10,000 and £150,000. However, the amount you can borrow depends on your specific circumstances, including the purpose of the loan, the financial position of your business, and the available security. As a private lender, we take a flexible and pragmatic view to structuring facilities that work for you.
What is the interest rate on your business loans?
Our interest rates typically start at 2% per month, but this can vary based on several factors, including the specifics of your business and the credit profiles of the guarantors.
What is the loan application process?
Our application process is simple and efficient, typically completed in three steps:
Online Application – Start by submitting a short online form with basic information about your business and funding needs.
Review & Supporting Information – Based on your initial submission, we may request additional documentation to assess your application fully. As part of our personalised approach, we also aim to meet customers face to face, where possible.
Approval & Completion – Once approved, we can finalise and complete the deal entirely online for speed and convenience.
We’re here to guide you through each step and ensure the experience is fast, transparent, and tailored to your business.
Can I repay the loan early?
Yes, at ETTA Finance, we believe in transparency. Your loan will come with a detailed payment schedule and the conditions for early settlement.
What documents are required for the loan application?
This will vary depending on the structure and amount of the loan, but as a minimum we will ask you for – Bank statements, Accounts (if applicable), Identification and proof of address.
How long does it take to get approved for a loan?
We understand that obtaining finance can be stressful and time-consuming. We aim to provide you with a decision within 24 hours of receiving all the necessary information, so you know where you stand as soon as possible.