Commercial Loans

We offer straightforward, no-nonsense commercial loans, designed to help small businesses grow.

  • Quick decisions and finance application turnaround

  • Expertise in many specialist sectors

We believe that all UK businesses have unique needs when it comes to accessing finance

Secure Commercial Loans for Your Business

As experienced commercial loan lenders, we want to make securing finance as straightforward and fuss-free as possible. Our solutions are designed to help UK small businesses scale without the “short-term headache” of high upfront costs.

Whether you are looking to stabilise your working capital or invest in long-term expansion, we offer no-nonsense commercial business loans tailored to your specific goals.

We unlock finance for thousands of SMEs across the UK.

We unlock finance for thousands of SMEs across the UK.

What Businesses Need to Know

  • Businesses can borrow up to £250,000

  • Commercial loan terms range from three months right up to five years

  • Fast decisions

  • Access to funds within 24 hours

  • Straightforward application process with a dedicated account manager supporting you through the whole process

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We believe that all UK businesses have unique needs when it comes to accessing finance

Understanding Commercial Lending: Secured vs. Unsecured Options

When you apply for commercial loans, it is important to understand which facility best suits your business structure. At STAR Asset Finance, we offer two primary routes:

  • Unsecured Commercial Loans: Ideal for quick injections of capital up to £250,000. These do not require physical collateral, making the commercial loan application faster and less complex.
  • Secured Commercial Loan: For larger investments or businesses with specific risk profiles, a secured commercial loan uses business assets as collateral. This can often unlock more competitive rates or longer repayment terms.
  • Commercial Asset Finance: Specifically designed for purchasing physical equipment, vehicles, or machinery, allowing the asset itself to act as the security.

What Can a Commercial Business Loan Be Used For?

Commercial financing isn’t just for growth; it’s a tool for smarter financial management. Our clients typically use commercial business loan facilities for:

  • Managing Liabilities: Spread the cost of VAT, tax payments, and insurance premiums into affordable monthly instalments.
  • Operational Investment: Funding refurbishments, hiring new staff, or covering wages during seasonal dips.
  • Asset Acquisition: Using commercial asset finance to upgrade equipment without depleting your cash reserves.

We believe that all UK businesses have unique needs when it comes to accessing finance

Rates, Terms, and Eligibility

We believe in transparency. When considering commercial loans, here are the key figures you need to know:

Repayment Terms and Limits

  • Borrowing Limits: Loans available from £25,001 up to £250,000.
  • Flexible Terms: Repayment periods range from 3 months to 5 years, allowing you to match the loan to your ROI timeline.
  • Speed to Market: Access to funds within 24 hours of approval.

Criteria for a Commercial Loan Application

Minimum of three years of active trading history

Three months of recent business bank statements.

UK-registered Limited Companies or LLPs*

*Sole traders and partnerships are welcome for loans over £25,001.

If your business has been trading for less than three years, please contact us. We have a range of alternative commercial financing options designed for younger companies.

Find out how we can help you secure a commercial loan – get in touch with our friendly team.

FAQs About Commercial Loans

Commercial lending is versatile and can be used to purchase equipment, invest in technology, manage cash flow, or fund day-to-day operations. Many businesses also use commercial asset finance to acquire vehicles or machinery without high upfront costs.

We aim to contact you within 60 minutes of receiving your inquiry during business hours. Once all documents are submitted, decisions are fast, and funds can often be accessed within 24 hours.

For most commercial business loans, we require basic company details and three months of bank statements. For a secured commercial loan, additional details regarding the asset used for security may be required.

While you will have regular repayments, commercial financing is designed to protect cash flow. By spreading a high-cost expense (like a tax bill or equipment purchase) over several years, you keep more liquid capital in your business for day-to-day operations.

Other products you may be interested in

We offer a range of business financing solutions to meet the needs of various industries. Backed with decades of banking and finance experience, our team works with thousands of companies throughout the UK. We help them optimise cashflow and achieve their goals through a range of business finance solutions, including:

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Business Loans

Get the business loan that fits your goals, with fast, flexible funding to help you grow, expand, or seize new opportunities when you need it most.

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Corporation Tax Loans

We offer flexible corporation tax loans to help businesses manage their HMRC obligations smoothly and maintain healthy cash flow.

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Loans and Cash Advances

For those instances when your company needs a quick injection of capital, a cash advance loan is a hassle-free, speedy solution.

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Chattel Mortgages

Businesses looking to fund the purchase of equipment or vehicles without disrupting their cashflow with hefty upfront costs can take advantage of a chattel mortgage as a flexible financing solution.

Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.