SME Finance Hub
    Business Loans Rocket
    Business Loans

    Explore our full range of business financing solutions

    Short-Term Loans

    Quick funding for immediate business needs

    Card Terminal Loans

    Funding based on card terminal takings

    Bad Credit Loans

    Specialist lending for poor credit businesses

    Same-Day Funding

    Emergency funding with same-day approval

    Business Growth Loans

    Scale your business with growth financing

    Asset Funding

    Finance vehicles, equipment and machinery

    Stock Funding

    Inventory financing for seasonal businesses

    Unsecured Business Loans

    Fast funding with no collateral required

    Secured Business Loans

    Lower rates with property or asset security

    VAT Funding

    Spread VAT payments over 3 months

    Corporation Tax Funding

    Spread tax bills over 6, 10 or 12 months

    Sole Trader Loans

    Funding solutions for self-employed businesses

    Invoice Finance

    Unlock cash from unpaid B2B invoices

    Business Credit Cards

    Cashback cards for UK limited companies

    SME Loans

    £5K–£500K+ for UK SMEs over 3–72 months

    Industry Sectors
    Industry Sectors

    Tailored funding solutions for your industry

    Start-up Funding (6+ Months)

    Young businesses welcome

    Construction

    Equipment & project financing

    Hospitality

    Hotels, restaurants & venues

    Retail

    Stock & expansion funding

    Automotive

    Garages & dealerships

    Professional Services

    Consultancies & agencies

    Healthcare

    Clinics & medical practices

    Social Care

    Care homes & support services

    E-Commerce

    Online retailers & marketplaces

    Accountants

    Client referral & practice funding

    Law Firms

    Case & practice financing

    Manufacturing

    Equipment & production funding

    Transport & Logistics

    Fleet & haulage finance

    Funeral Services

    Fleet & premises funding

    Architects & Surveyors

    Practice & project funding

    Finance Guides Laptop
    Finance Guides

    Expert advice and guides on business finance

    Blogs

    Latest insights and finance tips

    Success Stories

    Real customer funding successes

    Document Preparation

    Best practices for loan applications

    Understanding Credit Checks

    Soft vs hard searches explained

    Jargon Buster

    A-Z guide to finance terminology

    Business Loan Calculator

    Estimate your funding costs

    Factor Rate Calculator

    Convert a factor rate into real costs

    Merchant Cash Advance Calculator

    Repayments based on card takings

    Personal Guarantee Guide

    Personal guarantees, debentures & more

    Alternative Finance vs Banks

    Compare your funding options

    FAQ

    Common business funding questions answered

    About SME Finance Hub
    About Us

    Learn about our mission and expert team

    Meet the Team

    Get to know our expert brokers

    How We Get Paid

    Our transparent fee structure

    Our Lender Network

    Access to a specialist UK lender panel

    Why Use a Broker?

    No upfront broker fees - we're paid by lenders

    FCA Regulation & Compliance

    Your protection and our credentials

    Join the Team

    Career opportunities with us

    Contact Us

    Get in touch with our experts

    Fast business funding rocket
    SME Finance HubExpert Business Finance

    Expert funding advice with no obligation. Transparent pricing, no upfront or hidden fees.

    FCA Regulated
    5/5 Google
    Specialist panel
    Independent
    Same-day funding possible for eligible businesses

    How much do you need?

    WhatsAppCall Us

    FCA authorised. No upfront broker fees. No obligation service.

    FCA Regulated
    5/5 Google Reviews
    Specialist lender panel
    Independent brokerage

    SME Finance HubExpert Business Finance

    Fast, transparent, and tailored to your business needs. Fees and commission explained before you commit, no obligation service.

    No upfront broker fees
    Quick, honest answers from a named broker
    Funding matched to your business
    Built for business growth
    Same-day funding possible for eligible businesses

    Get Your Funding Quote

    No-obligation consultation

    FCA Authorised independent finance brokerage, not a lender. We receive commission from lenders only if funding is completed. Our service has no upfront broker fees. No obligation enquiry service.

    How our process works

    Get matched with the right business loan in 4 simple steps. Our streamlined process gets you funding decisions fast.

    Step 1

    Online Application

    Complete our simple online form with your business details in just a few minutes

    2-5 minutes
    Step 2

    Broker Support

    Your dedicated broker reviews your application and contacts you to discuss your needs

    Within 24 hours
    Step 3

    Lender Matching

    We search our specialist lender panel to find the best funding options for your business

    1-2 days
    Step 4

    Receive Funding

    Once approved, funds are transferred directly to your business account

    Same day

    Ready to get started?

    Join thousands of businesses who have secured funding through our platform

    Quick Estimate

    How much could you borrow?

    Get a quick estimate of your monthly repayments

    £50,000
    £5k£500k
    24 months
    3 months72 months

    Estimated monthly payment

    ~£2,354

    Representative example based on 1% per month interest rate. Actual rates will vary.

    Try our full calculator with interest rates, fees & more options

    Eligibility Requirements

    These are indicative requirements based on what most of our lenders look for. If your business doesn't fully match them, you can still enquire. A named broker will manually review your enquiry to see if a specialist product may be available.

    Quick Eligibility Check

    UK Registered Company

    Your business must be either a limited company, LLP, sole trader or partnership in the UK

    Monthly Turnover £10k+

    Minimum monthly turnover of £10,000 to qualify for funding

    6+ Months Trading

    At least 6 months of established trading history required

    UK Resident Director

    At least one director or shareholder must be a UK resident

    Don't quite match?

    You can still apply online or contact us. A named broker will manually review your enquiry and let you know if a specialist product may be available.

    No obligation to proceed after checking eligibility

    Specialist Business Finance Broker for UK SMEs

    At SME Finance Hub, we are more than just a brokerage; we are your partners in growth. As an FCA-authorised independent finance broker, we specialise in connecting UK Limited Companies with our specialist lender panel.

    Whether you are looking for a short-term business loan to bridge a cash-flow gap, a merchant cash advance (Card Terminal Loan) for your retail business, or a large unsecured business loan for expansion, we provide expert-guided solutions. Our mission is to make same-day business funding accessible and transparent, with no upfront broker fees and no obligation. If your business has been trading for 6+ months with a £10k+ monthly turnover, our team can help you navigate the complex UK lending market to compare suitable funding options from our lender panel.

    Business finance, explained clearly.

    Understand your options before you commit.

    We help UK businesses explore funding through a specialist panel of lenders. We explain the available options, what repayments and fees mean for your business, and how we are paid, so you can make an informed decision.

    • No upfront broker fees
    • Lender-paid commission, disclosed before you commit
    • A named broker to explain your options
    • Clear information about repayments, security and personal guarantees
    • No obligation to accept an offer

    Start with a conversation, not a commitment.

    Tell us what your business needs. We'll explain what may be achievable, what information we need, and the next steps before you decide whether to proceed.

    Start your enquiryContact us

    Got Your Questions Answered?

    Now that you know more about our process, let's start your application.

    FCA Regulated • No Obligation Service • All Costs Disclosed Upfront

    Alternative business finance specialists helping UK businesses secure funding.

    Contact Us

    01244 906505hello@smefinancehub.co.uk
    Suite 31, Shiftworks
    14 Upper Northgate Street
    Chester, CH1 4EE

    Loan Types

    Core Products

    Business LoansSME LoansShort-Term LoansUnsecured Business LoansSecured Business LoansBusiness Growth LoansSame-Day Funding

    Specialist

    Asset FundingStock FundingInvoice FinanceCard Terminal LoansSole Trader LoansBusiness Credit CardsBad Credit Loans

    Tax & Refinance

    VAT FundingCorporation Tax FundingDebt Consolidation

    Industry Sectors

    Start-up FundingConstructionHospitalityRetailAutomotiveProfessional ServicesHealthcareSocial CareE-CommerceAccountantsLaw FirmsManufacturingTransport & LogisticsFuneral ServicesArchitects & Surveyors

    SME Finance Hub

    Finance GuidesBlogsSuccess StoriesDocument PreparationCredit ChecksJargon BusterLoan CalculatorFactor Rate CalculatorMerchant Cash Advance CalculatorPersonal Guarantee GuideAlt Finance vs BanksIslamic Business FinanceFAQ

    SME Finance Hub

    About UsMeet the TeamClient ReviewsHow We Get PaidOur Lender NetworkWhy Use a Broker?FCA RegulationEditorial PolicyJoin the TeamContact Us

    Follow Us

    FCA Regulated & Authorised

    FCA-Authorised Credit Broker

    Firm Reference Number: 1000382

    Capital Business Loans Limited is authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender. How we're paid: there are no upfront broker fees to apply, and we receive a commission from the lender if a facility completes. Read how we get paid or see our editorial policy.

    Important Information:

    SME Finance Hub is a trading style of Capital Business Loans Limited. www.smefinancehub.co.uk is a website owned by Capital Business Loans Limited which is registered in England and Wales, Registered No. 14491729. Capital Business Loans Limited is an independent credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority with firm reference number 1000382. Our registered office is at Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE. We are a credit broker, not a lender and will receive commission or remuneration for introducing you to lenders. Not all Capital Business Loans Limited activities are regulated by the Financial Conduct Authority. ICO Registration Number: ZB464621.

    © 2026 Capital Business Loans Limited. All rights reserved.
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    Access to our specialist lender panel including:

    Expert-Guided Business Finance Solutions

    Our experienced brokers provide clear, expert guidance on specialist lending solutions. Transparent pricing, fees and commission explained before you commit, and no obligation.

    Business Growth Loans

    Business Growth Loans

    Unsecured business loans for expansion — no property security needed to scale your operations

    £5K - £500K+
    Up to 6 years
    Short-Term Business Loans

    Short-Term Business Loans

    Unsecured short-term business loans from 3-24 months for immediate working capital needs

    £5K - £500K+
    Flexible repayment
    Same-Day Business Funding

    Same-Day Business Funding

    Emergency funding with approval and funding in as little as 2 hours

    £5K - £500K+
    2hr funding
    Card Terminal Loans

    Card Terminal Loans

    Revenue-based funding using your card terminal transaction history

    £5K - £500K+
    48hr approval
    Bad Credit Business Loans

    Bad Credit Business Loans

    Specialist underwriting for businesses with credit challenges

    £5K - £500K+
    Specialist underwriting
    Expert Broker Advice

    Expert Broker Advice

    Dedicated broker support with no obligation service - expert guidance throughout

    No-obligation consultation
    No obligation

    Why Choose Our Expert Service

    Experienced, FCA‑authorised brokers you can trust
    No upfront broker fees
    No obligation enquiry — explore options without pressure
    Dedicated broker support from start to finish
    Full transparency — all lender costs disclosed upfront
    Specialist access to the UK's alternative lending market

    Supporting small businesses in the UK

    Specialist lender panel

    Expert broker advice helping UK businesses access transparent funding solutions with fees and commission explained before you commit and a 5/5 Google rating!

    5/5Google rating