Business Loans

 Access to the right business finance can help you launch, grow, or stabilise your company. Whether you're looking to expand operations, cover short-term cash flow, invest in equipment, or manage unforeseen costs, a business loan can give you the support you need to move forward.

At SND Mortgages, we help business owners and directors find tailored loan solutions that match their goals, affordability, and structure.

Most lenders consider applications from UK-based limited companies and partnerships with a solid trading history. Some providers may also support businesses that are newer or sole traders, depending on financial performance and credit strength. We’ll assess your circumstances and match you with a lender whose criteria align with your business.

Loan amounts and terms vary depending on your trading history, turnover, and credit profile. Business loans are typically available on repayment terms ranging from a few months to several years, and we’ll help structure the borrowing to fit your monthly budget and business plans.

Most unsecured business loans require a personal guarantee from a director or business owner. In some cases, secured lending may be available if you're borrowing a larger amount or if your business is still building its credit profile. We’ll explain what’s needed upfront so you know exactly where you stand before applying.

Business loans can be used for a wide range of purposes. Whether you're purchasing stock, investing in premises, upgrading your technology, or managing day-to-day operations, we’ll help you secure a loan with terms that work for your business. Lenders may have criteria around how funds are used, and we’ll ensure your plans fit the guidelines.

Application times vary, but many lenders offer quick decisions and fast funding, especially if your documents are ready and the application is straightforward. In some cases, funds can be released within just a few working days. We’ll guide you through the process to help avoid unnecessary delays.

Some lenders offer the flexibility to repay your loan early without additional fees, helping you save on interest. We’ll confirm the repayment terms and any potential costs upfront, so you can plan with confidence.

If your business circumstances change or you need additional capital in future, you may be able to apply for a top-up or a second facility, depending on your repayment history and affordability. We’ll review your position and help you assess what’s possible when the time comes.