Business loans at fixed rates available for businesses across the UK

  • Loans from £10,000 – £2 million depending on what’s right for your business 
  • Fixed Interest Rates so you’ll always know how much you are repaying and when.  
  • Terms from 1-10 years tailored to your business 
  • Perfect for limited companies incorporated in the UK of all sizes 

Get a FREE Quote

Name(Required)

Small business loans when you need them

Sometimes a small business loan can make a big difference. When you need a bit of help to grow your business, at Apt Payment, we are here to lend you a helping hand. Whether you need a short-term cash injection to cover increasing operating costs, or a larger loan to plan for the future, our borrowing range of £10,000 – £2 million at fixed interest rates can give you the support you need, when you need it most. Our quick business loans are available to limited companies incorporated in the UK. Whatever your business’s size, we are committed to helping you grow it through our fast loans.

Your success is our goal, so we tailor our new and small business loans to your requirements. We vary our repayment terms from 1-10 years so that the timing of your repayment schedule is always perfect for your business. We’ll make sure you always know exactly what you need to pay and when, because we understand that the last thing your business needs is an unexpected bill.

Our quick business loans in brief

  • Loans from £10,000 – £2 million depending on what’s right for your business 
  • Fixed Interest Rates so you’ll always know how much you are repaying and when.  
  • Terms from 1-10 years tailored to your business 
  • Perfect for SMEs of all sizes 
  • Available limited companies in the UK

Business loans tailored to your business

Our friendly experts understand how businesses work and want to make sure that your business loans always work for you. We don’t make any assumptions. We evaluate loan applications on a case by case basis and explore the financial options available to you. If a loan would be perfect for your business, we’ll make sure that we are the perfect lender for your business.

You would never receive this level of attention from a big bank. We believe that you and your business deserve to speak to a person, rather than being evaluated and possibly even declined by an algorithm. If you prefer to discuss your loans with an experienced advisor rather than a computer, we would love to speak to you.

We are flexible

At Apt Pay, we believe that no two businesses are the same, so we offer flexible business loans options that are designed to fit your company. Here’s what we’ve got to offer: 

  • Flexible borrowing options with loans (£10,000 – £2 million)
  • Flexible repayment plans (1 – 10 years)
  • Flexible terms based on the size of your business
  • Flexible human approach to customer services
business-meeting

Am I eligible?

To be approved for one of our quick business loans, we need to see:

  • Your business banking statements from the last 6 months
  • Your Business Address
  • The email address, mobile number, date of birth, and home address of each of your directors

We often provide same-day approvals and transfer the money into your account in as little as 3 hours (subject to availability).

We have supported businesses across the UK with their business loans. Contact us today to arrange a meeting and discuss your options.

Get Your Funds in Hours

We believe in making business funding quick and hassle-free. Our streamlined approval process is designed to get you the funds you need without unnecessary delays.

Same-Day Approval

We offer fast approvals, often on the same day you apply.

Payout in as Little as 3 Hours

Once approved, you can access your funds in as little as 3 hours, subject to availability.

Whether you’re handling an urgent expense or seizing a new opportunity, our fast approval and payout process ensures you get the financial support you need without the wait."

Your local small business loan provider

When you are trying to become a stable part of the business landscape in the second-biggest city in the UK, local knowledge can help. With offices based in Birmingham, Apt Pay is the go-to provider for business loans in Birmingham and the West Midlands. With years of experience in the region, we understand the specific needs of different-sized businesses in and around Birmingham. 

Based outside the Midlands? Our reach isn’t limited to the region and we are happy to work with limited companies of all sizes across the entire UK. Just give us a call!

businesspeople

Why trust Apt Pay?

Receive your loan fast

We offer same-day approval and can transfer the funds to you within 3 hours (subject to availability) so you can access your funds as soon as possible. 

Flexible loans

We know that everyone is different and this is why our loans will be tailored to your particular needs. We offer loans ranging from £10,000 – £2 million at fixed interest rates. You can also opt for a top-up if your needs change.

Accessible Instalments

Repaying your loan will be planned as you feel most comfortable with. Choose from daily, weekly and monthly instalments.

Posted on Google Google
Saman Hassan profile picture
Saman Hassan
6 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
Posted on Google Google
Anita Kaur profile picture
Anita Kaur
26 May 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
Posted on Google Google
JJ_n_TY Chitiyo profile picture
JJ_n_TY Chitiyo
22 May 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
Posted on Google Google
Brenda Chikosha profile picture
Brenda Chikosha
25 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
Posted on Google Google
Caphas Chisangowerota profile picture
Caphas Chisangowerota
22 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
Posted on Google Google
MUHAMMAD ZAMAN WARRAICH profile picture
MUHAMMAD ZAMAN WARRAICH
17 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
Posted on Google Google
Robin Sharma profile picture
Robin Sharma
14 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
Posted on Google Google
isaac ogundiran profile picture
isaac ogundiran
10 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
Posted on Google Google
Rebwar profile picture
Rebwar
24 March 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

FAQ

Who are our small business loans for? 

Our business loans are available to limited companies incorporated in the UK.

How do you get approved for a small business loan?

To get approved for a loan, you will have to provide detailed documentation about your trading accounts,  as well as your profits and losses. You would also have to let us know what the loan will be used for. 

How much money can I borrow?

We offer quick business loans between £10,000 and £2 million depending on the needs of your business.

How long do I have to repay my loan?

Our flexible repayment plans vary between 1 and 10 years. We will take your individual business requirements when advising you on the best options for you. 

How do I apply for a loan? 

If you wish to proceed with our business loans, please get in touch with one of our team members on 020 3103 0022 or at info@aptpayment.co.uk and we will be able to schedule a meeting with you.