Short-Term Finance
Short-Term Unsecured Business Loans
Short-Term Unsecured Business Loans
Fast, flexible business funding repaid over 3 to 24 months, designed to boost your company’s working capital, bridge cash flow gaps, or fund immediate growth opportunities.
Typical terms
Typical terms
3 to 24 months
3 to 24 months
Repayments
Repayments
Fixed monthly schedules
Fixed monthly schedules
Speed
Speed
Often days, not weeks
Often days, not weeks
Typical amounts
Typical amounts
£25k to £500k
£25k to £500k
Estimate the cost
Estimate the cost
Move the sliders to see an illustration of what a short-term loan could cost. Choose a credit profile to start from a typical range, then adjust the rate to match a quote.
Move the sliders to see an illustration of what a short-term loan could cost. Choose a credit profile to start from a typical range, then adjust the rate to match a quote.
How it works
How it works
A short-term unsecured business loan gives your company a lump sum that you repay over a few months up to two years.
The lender relies on your company’s trading record and credit profile instead of taking a charge over property or equipment.
A short-term unsecured business loan gives your company a lump sum that you repay over a few months up to two years.
The lender relies on your company’s trading record and credit profile instead of taking a charge over property or equipment.
It suits needs with a clear payback: a large order, a seasonal stock build, a tax bill, or a gap before a big customer pays.
It suits needs with a clear payback: a large order, a seasonal stock build, a tax bill, or a gap before a big customer pays.
Common uses
Common uses
Buying stock ahead of a busy season
Buying stock ahead of a busy season
Paying a VAT or corporation tax bill
Paying a VAT or corporation tax bill
Bridging the gap before a large invoice is paid
Bridging the gap before a large invoice is paid
Acting quickly on a supplier discount or time-limited opportunity
Acting quickly on a supplier discount or time-limited opportunity
Advantages
Advantages
Direct access to cash without waiting for lengthy asset valuations
Direct access to cash without waiting for lengthy asset valuations
Funds can arrive quickly once the lender has your documents
Funds can arrive quickly once the lender has your documents
Fixed repayments make cash flow easier to plan
Fixed repayments make cash flow easier to plan
Some lenders let you settle early and save interest, while others charge a fee or minimum interest. We check this before you sign.
Some lenders let you settle early and save interest, while others charge a fee or minimum interest. We check this before you sign.
Things to check
Things to check
Short terms mean higher monthly repayments than a longer loan
Short terms mean higher monthly repayments than a longer loan
Lenders often ask for a personal guarantee from a director
Lenders often ask for a personal guarantee from a director
Rates vary widely with trading history and credit profile
Rates vary widely with trading history and credit profile
Compare the total repayable, not just the headline rate
Compare the total repayable, not just the headline rate
Questions about short-term loans
Questions about short-term loans
How quickly can I get a short-term business loan?
Can I repay a short-term loan early?
Do I need a personal guarantee?
What is a personal guarantee?
Will checking my options affect my credit score?
Tell us what you need
Tell us what you need
Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.
Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.
Speed: The more you tell us now, the faster we can match you with lenders.
Speed: The more you tell us now, the faster we can match you with lenders.
A person, not a queue: You deal with the same person from first call to funding and beyond.
A person, not a queue: You deal with the same person from first call to funding and beyond.
inquires@ironstonecf.co.uk
inquires@ironstonecf.co.uk
Tell us what you need
Share a few details and we will come back to you, usually the same working day. There is no obligation, and we only work with UK limited companies.
Speed: The more you tell us now, the faster we can match you with lenders.
A person, not a queue: You deal with the same person from first call to funding and beyond.
inquires@ironstonecf.co.uk