Owl Business Finance

Business loans UK

Speed through to business loans and other lending options – get your business rolling with Owl Finance

Let's kickstart your business

Regardless of whether you operate as a sole trader, a startup, or an SME, there's a high probability that your business will require additional funds to fuel its growth at some stage. Instead of pursuing cash investors, opting for fast and cost-effective business loans can prove to be a superior choice. Whether it's for acquisitions, debt reduction, or ensuring strong working capital, you no longer need to rely on slow cash flow or investors to expand. Enhance your company's growth with a purpose-built loan designed to cater to your business needs.

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Use the funds for

Expand a Business

Supply the necessary capital injection to facilitate business expansion

Business startups

Support early-stage entrepreneurs in starting their businesses

Enhance your cash flow

Build and maintain a healthy cash reserve by securing a loan and addressing any financial wrinkles

Procure stock

Sustain sales growth by consistently replenishing your stock levels

Vehicle financing

Discover the most fitting method for acquiring assets like cars and vans to ensure the seamless functioning of your business

Property finance

Commercial mortgages, bridging loans, and development finance through a network of lenders

Refinance your debt

Lower your existing interest rate or explore a more favorable repayment structure for your business

Aquire a business

Facilitate expansion and diversification by acquiring a new business or a competitor

What is a business loan?

A business loan is a financial arrangement where a sum of money is borrowed by a business entity, typically for purposes related to the business's operations, growth, or investments.

Unlike personal loans, business loans are designed to meet the specific needs and requirements of businesses, and they may have different terms, interest rates, and repayment structures. These loans can be used for various purposes, including working capital, expansion, funding startups, equipment purchase, inventory management, vehicle leases and more.

How we've helped fund a wide range of businesses

Bars

Restaurants

Logistics

Construction

Manufacturing

Ecommerce

SaaS

Businesses have access to a variety of loan options

Various types of business loans exist, each with its unique features. Some loans may require the borrower to offer security (collateral) to minimize the lender's risk, while others do not. Typically, loans without collateral tend to offer lower loan amounts but come with higher interest rates compared to secured loans.

Common types of business loans include:

  • Term Loans: These are traditional loans with a fixed or variable interest rate and a set repayment schedule. They are typically used for various purposes, such as working capital, equipment purchases, or expansion.
  • Lines of Credit: Business lines of credit provide access to a revolving credit line that can be drawn upon as needed. Interest is only paid on the amount borrowed. They are often used for short-term working capital needs.
  • Commercial Real Estate Loans: These loans are designed for purchasing, refinancing, or renovating commercial properties, including office space, retail locations, and industrial facilities.
  • SBA Loans: Offered by the Small Business Administration (SBA), these loans come with government guarantees, making them more accessible to small businesses. Various types of SBA loans, such as 7(a) loans and 504 loans, are available for different purposes.
  • Equipment Financing: Businesses can secure financing specifically for the purchase of equipment or machinery. The equipment itself often serves as collateral for the loan.
  • Merchant Cash Advances: This is a type of financing where a business receives a lump sum in exchange for a percentage of its daily credit card sales, plus fees, until the advance is repaid.
  • Invoice Financing (Factoring): Businesses can sell their unpaid invoices to a financing company at a discount in exchange for immediate cash. This helps improve cash flow.
  • Business Credit Cards: Business owners can use credit cards for business expenses. They provide a revolving credit line and often come with rewards or cashback options.
  • Microloans: These are small loans typically offered by nonprofit organizations or community lenders to help startups or very small businesses access capital.
  • Commercial Auto Loans: Designed for purchasing vehicles for business use, such as delivery vans, trucks, or company cars.
  • Startup Loans: Specifically tailored for new businesses that may not have an extensive financial track record. These loans may be secured based on the owner's personal credit and assets.
  • Franchise Financing: Financing options for entrepreneurs looking to start or expand a franchise business.

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