Short Term Business Loans | Fast Working Capital | £5,000 – £500,000+
In business, the best opportunities don't wait for a slow bank approval. Sometimes you don't need a five-year commitment; you just need a tactical bridge to cover a specific project, a seasonal peak, or an unexpected invoice gap. Our short-term business loans provide the flexibility to borrow what you need for 3 to 18 months, with funding from £5,000 to £500,000+. We connect you with over 100 specialist lenders offering fast decisions and no upfront fees, allowing you to secure the capital today and settle the balance as soon as your project completes.
As an FCA-authorised broker, we use Open Banking and soft credit searches to match you with the right short-term lender — without affecting your credit score.
When Do You Need Short-Term Capital?
Tactical, flexible funding for the moments that matter most to your business.
Bridging the Gap Between Large Invoices
For businesses that have completed the work but are stuck waiting on 60 or 90-day payment terms. Construction firms, recruitment agencies, and professional services practices commonly face this gap. A short-term loan keeps your daily operations running — covering payroll, rent, and supplier invoices — while you wait for that big payday to land.
Funding for Tactical Stock & Inventory Buys
When a supplier offers a 'flash sale' or a limited-time bulk discount, a short-term loan allows you to buy the stock now, sell it at a higher margin, and pay the loan back within a few months. This is particularly effective for retail, e-commerce, and wholesale businesses where the profit on the stock purchase often exceeds the total cost of the loan itself.
Managing Seasonal Hiring & Marketing Spikes
Perfect for retail, hospitality, or service businesses that need to ramp up staff or advertising spend ahead of a peak season before the revenue starts rolling in. Whether it's Christmas stock for a gift shop, summer staff for a hotel, or a pre-launch marketing blitz for an e-commerce brand, short-term capital funds the ramp-up and is repaid when the sales arrive.
What You Need to Know Before Applying
Watch Out for "ERPs" (Early Repayment Penalties)
If you're taking a short-term loan because you expect a big windfall in three months, make sure your loan doesn't have 'Early Repayment Penalties.' Many of our specialist lenders actually encourage early settlement and will only charge you interest for the days you actually have the money. It makes the loan incredibly cheap if you use it tactically!
Total Cost vs. APR
For a 5-year mortgage, APR is everything. For a 6-month business bridge, it's a bit of a red herring. Instead, look at the 'Total Cost of Capital.' If borrowing £10k for three months costs you £600 in interest, but it allows you to take on a contract that nets you £5,000 in profit, the APR doesn't matter—the ROI does. Keep your eye on the profit, not just the percentage.
The "Daily/Weekly" Payment Flex
Some short-term lenders prefer daily or weekly micro-repayments rather than one big monthly lump sum. If you're a high-volume business like a café or a retail shop, this can be a godsend for cash flow. It means you never have to worry about a massive chunk of cash leaving your bank account on the 1st of the month; the loan just 'breathes' with your daily sales.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
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
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
Short-Term Funding in Action
£50,000 Unsecured — Scaling a Building Safety Firm
How Jason secured £50,000 in unsecured funding via Fleximize in under a week — no property charges, no debentures, just fast flexible capital for growth.
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Hundreds of UK businesses have relied on us when they needed funding fast.
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Short-Term Loan Scenarios From the SME Finance Hub Desk
Three real examples of UK businesses that used a short-term loan through us as a tactical bridge — not a long-term cashflow tool.
Bridge to a settling invoice
The business
A B2B service business waiting on a £140k invoice from a blue-chip client paying on 60-day terms, with a tax bill landing in 14 days.
What they needed
£60,000 short-term bridge for 8 weeks until the client invoice settled.
How we structured it
8-week bullet repayment loan — interest accrued monthly, principal repaid on the date the invoice was due.
The outcome
Invoice settled on day 56, loan cleared the next morning. Total cost equivalent to roughly 1.8% of the borrowed amount.
6-month cashflow smoother
The business
A seasonal manufacturer running a slow Q1/Q2 trading pattern with confirmed Q3 order book worth 2.4x normal volume.
What they needed
£90,000 to fund extra inventory and raw materials buys ahead of the Q3 ramp.
How we structured it
6-month short-term loan with low payments in months 1–3 and higher payments in months 4–6, mirroring the order book ramp.
The outcome
Q3 order book delivered in full. Loan settled in month 6 from gross margin on the higher revenue alone.
Pre-refinance tidy-up
The business
A trading company expecting to close a long-term secured loan in 4 months and wanting to clear a higher-cost MCA in advance to clean up the refinance application.
What they needed
£75,000 to settle the MCA early and present a cleaner facility list to the incoming long-term lender.
How we structured it
4-month short-term loan structured to be settled directly from the proceeds of the incoming refinance.
The outcome
MCA cleared, refinance approved without conditions, and the short-term loan was redeemed on the day the long-term funds arrived.
Short-term loans work best when the exit is clear from day one. Every example above had a specific repayment source identified before drawdown — a settling invoice, a closing refinance, or a known revenue uplift.
Common Questions About Short-Term Loans
Need Fast Working Capital?
Don't let cash flow hold you back. Apply now for tactical, short-term funding with no upfront fees.