Finance to help your business grow, invest and keep moving.
- Specialist commercial finance advice
- Lenders who understand your business
Most business loans are not FCA-regulated.
What is a business loan?
A business loan is funding borrowed by a business — a limited company, partnership or sole trader — and repaid over an agreed term with interest.
It can be used to buy or expand premises, invest in equipment or vehicles, fund growth, or manage cash flow through quieter periods and unexpected costs.
Most business loans are not regulated by the Financial Conduct Authority. We will always explain which rules apply to your borrowing, and what that means for you, before you proceed.
Morrow acts as your commercial finance broker. We work with a range of lenders who understand different sectors and sizes of business, and help you compare terms rather than take the first offer.
What lenders usually ask for:
- Business accounts — limited company, sole trader or partnership
- Trading history
- Cash-flow information
- Details of existing borrowing
- The purpose of the loan
What are you looking to do?
Business finance can fund very different needs. Start with what you’re trying to achieve.
I’m buying or expanding premises
Finance an office, shop, workshop or industrial unit that your business will occupy, or expand the one you have.
Explore commercial mortgagesI need equipment, vehicles or technology
Spread the cost of the tools, machinery or systems your business needs to stay competitive.
I need to manage cash flow
Smooth out seasonal dips, late payments or an unexpected cost without disrupting day-to-day operations.
I’m growing or opening a new location
Fund recruitment, stock, fit-out or the working capital that growth needs before the revenue arrives.
I need to complete quickly
If a conventional business loan cannot complete in time, short-term bridging finance may be another option.
Explore bridging financeMy business is new or has limited trading history
It can be harder, but not impossible. Some lenders specialise in newer businesses, and we will tell you honestly what is possible.
How much could your business borrow?
There is no fixed formula. The amount and terms available depend on the business as much as on the purpose of the loan.
Where property is involved, lenders often look for a deposit or security of around 25–40% of its value. Different lenders assess the same business differently, which is where specialist advice adds value.
A lender may consider:
- Turnover and profitability
- Trading history
- Cash flow
- Existing borrowing
- Security or deposit offered
- The credit history of the business and its directors
- The purpose of the loan
Want to talk it through?
Call our friendly team on 0800 888 6500 for free, no-obligation advice or start online with our calculator.
Things to consider before your business borrows
The rate is only one part of a facility. These are the terms worth understanding first:
Security and personal guarantees
Some lenders ask for security against business or personal assets, or a personal guarantee from the directors. Understand what is at risk before you sign.
Fees
Arrangement, valuation and legal fees vary between lenders and can change the true cost of a facility. We set them out alongside the rate.
Term and repayment structure
Monthly capital-and-interest, interest-only periods or seasonal repayment patterns each suit different businesses. The structure matters as much as the rate.
Regulation
Most business loans are not regulated by the Financial Conduct Authority, which affects the protections that apply. We will explain which rules cover your borrowing.
The effect on cash flow
A loan that funds growth still has to be serviced from month one. We help you check the repayments fit the business’s cash flow, not just its plans.
Time to arrange
Lenders differ in how quickly they can decide and complete. If timing is critical, say so early and we will shape the options around it.
Guides and insights
Business finance deserves a proper comparison
The first offer is rarely the only one. Morrow helps you see what the wider market would lend, on what terms, before you commit the business.
A range of lenders
High-street and specialist lenders with different appetites for sectors, sizes and stages of business.
Terms explained, not just quoted
Rate, fees, security, guarantees and repayment structure set out plainly, so you know what you are agreeing to.
Newer and more complex businesses considered
Limited trading history, seasonal income or an unusual sector are not automatic barriers with the right lender.
Support through to completion
One point of contact from the first conversation to the funds arriving, coordinating the lender and any valuation or legal work.