Business loans

Take control of your future with our small business loans.

Cost effective contract hire solutions

Grow your business with confidence with our small business loans.

A small business loan with Kane Financial Services is a straightforward and cost-effective way of borrowing money. Unlike credit cards, business overdrafts or other schemes, there are no fees, penalties or hidden costs should you decide to pay off the loan early – just fixed, affordable monthly repayments.

The loan application process couldn’t be easier. Simply fill in your details, choose your loan term and we’ll get back to you with a decision as quickly as we can. Need to speak to someone? No problem. Our dedicated Account Managers are on hand to answer any questions

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Small business loans can help to:

Expand your business

Increase inventory/replace equipment

Help with payroll

Manage cashflow

Cover gaps in revenue

Provide staff training

Frequently Asked Questions


What is a business loan?

A business loan is one of the first options used by businesses looking to raise finance. It is money provided by a lender to a business, intended solely for business purposes, that must be paid back, with interest, over an agreed period.

What’s the difference between a business loan and a personal loan

Personal loans are intended for personal purchases, while business loans are granted for business-related expenditure, such as buying new stock and paying off debts. Lending limits are usually significantly higher on business loans. Personal loans are guaranteed using your personal credit history.

Types of business loans

Just as there are many different types of businesses, there are many different types of business loans available in the UK. They all fall into one of two categories: secured and unsecured. Whether you are a long-established company or a fledgling start up, there is a finance option to suit you. Examples of different types of business loans include:

  • Recovery Loan Scheme (RLS)
  • Short-term business loans
  • Working capital loans
  • Self-employed loans
  • Company loans
  • Peer-to-peer business loans
  • Asset finance

How do business loans work?

A business loan is a straightforward way to borrow funds, and you don’t have to give up any equity in your business.

  • A business loan provider lends a lump sum of money to your business.
  • You then use the money on business-related expenditure or to otherwise help grow or expand your business.
  • The business then pays back the loan, plus interest, over a pre-arranged timeframe.
  • We provide unsecured business loans which means businesses do not need to use their business assets as collateral.
  • We offer fixed interest rates, meaning that your monthly repayments will always remain the same.

Are business loans hard to get?

Getting approval for a business loan will depend on the type of loan you choose and on your financial and credit situation. It’s our mission to give as many businesses as possible access to finance. Applying for a small business loan with Kane Financial Services is quick and easy. As a result, we’re delighted to be able to approve thousands of loans every year.

Where to get a business loan?

You can get a business loan through Kane Financial Services online using our straightforward business loan application form.

Simply fill in your business details, explain how much you want to borrow, choose your loan term, and we will get back to you with a decision in as soon as possible.

How much will a small business loan cost?

The amount your loan will cost will depend on the amount of money you want to borrow, your interest rate and your loan term. We charge a one-off completion fee when you take out your loan, and your interest rate will be calculated based on a number of factors, including your credit score and financials for business lending.

There’s also no fee if you want to settle the loan early. All our loans are fixed rate, so you’ll know exactly how much you’ll need to repay each month and what the cost of borrowing is.

What if I’ve been refused a business loan in the past?

If you’ve been refused a business loan in the past, don’t panic. Review your finances, work on improving your credit score and resolve any outstanding debts and you’ll have a much greater chance of being approved for a business loan in the future.

Once you’ve taken these steps you will be in a better position to reapply for a small business loan again.


Our finance options

Looking for a loan for your business?

Get in touch today to speak to one of our team, or apply now using our online application form.

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