Unsecured business loans · £1,000 to £1,000,000
Business funding at the speed your business moves
One short application. Most decisions the same day. For UK limited companies and LLPs trading 12+ months.
Takes about 5 minutes. No credit footprint unless you accept an offer.
- No security required
- Settle early at no extra cost
- No obligation
- For UK limited companies and LLPs
- Trading 12 months or more
- Borrow £1,000 to £1m
How it works
Three steps between you and your funding
Tell us about your business
About 5 minutes. Company lookup does most of the typing for you.
Get your decision
Most decisions the same day, whenever you apply. Larger amounts can take up to 24 hours.
Money in your account
Accept your offer and funds can land the same day. Only draw what you need.
Lending decisions are made by the lender using their own criteria, and the decision is entirely theirs.
How much do you need?
£50,000
For this amount we’ll ask for 6 months of business bank statements. Have them ready and the application stays quick.
What businesses use it for
A wholesaler covering a £40,000 stock order before their busy season. A builder bridging a £60,000 materials bill on a big contract. A café group spreading a £30,000 refit. Working capital for the moment your business needs it.
Why Snap Funding
Built for owners who don’t have weeks to wait
Fast by design
One short application, most decisions the same day.
Unsecured
No property or asset security required.
Flexible
Settle early or overpay at no extra cost.
Human
A real person handles your application from start to finish.
Flexible by design
Funding that fits around your business, not the other way round.
Take what you need, when you need it. You only pay interest on the money you use, for the time you use it. Repay early and you pay less. Simple.
Only pay for what you use
Interest is charged on your outstanding balance, for the days you actually hold the money. Nothing more.
Settle early, pay less
No early repayment fees. Clear your balance ahead of schedule and you simply stop paying interest.
No credit footprint
Checking your eligibility and applying leave no mark on your credit file. A credit search is only recorded if you accept an offer.
Room to grow
Once your loan is running you can apply to top up, so your funding can grow with your business.
Questions
Asked and answered
Who can apply?
UK registered limited companies and LLPs that have been trading for 12 months or more. We can't help sole traders or brand new businesses. Homeowners and non-homeowners are both accepted.
What does it cost?
Interest rates are set by the lender based on your business, starting from 0.95% per 30 days on longer terms. You can settle early or overpay at any time at no extra cost, so you only pay interest for the time you actually use the money. You'll see your exact rate in your offer before you decide anything.
Will checking my eligibility affect my credit score?
No. Checking your eligibility and applying leave no footprint on your credit file. A credit search is only recorded if you accept an offer, and we tell you before that happens.
What documents do I need?
It depends on the amount. Up to £25,000: no documents at all. £25,001 to £75,000: 6 months of business bank statements. Above £75,000: bank statements plus your latest filed accounts.
How fast is fast?
Most decisions come back the same day, often in as little as a few hours, and smaller amounts are often decided straight away. Larger amounts can take up to 24 hours. We're always available, so apply whenever suits you, day or night.
What happens after I apply?
A real person reviews your application and sends it to the lender, who makes their decision using their own criteria. We come straight back to you with the outcome. If there's an offer, you choose whether to take it. There's no obligation at any point.
Is my data safe?
Yes. Your details are encrypted, stored securely in the UK, and used only for your funding application. We never sell your data, and documents you upload are held privately with strict access controls.
Who is the lender?
We arrange your finance through one of our trusted UK lending partners. We share the lender's full details and their privacy policy with you during your application, before anything is sent to them.
Ready when you are.
One short application. Most decisions the same day.
Check your eligibilityNo credit footprint unless you accept an offer.