Short-Term Business Loans

Explore our short-duration financing options. Secure business loans with consistent rates accessible for businesses throughout the UK.

Borrow amounts ranging from £10,000 to £2 million tailored to suit your business needs
Benefit from fixed interest rates, ensuring transparency in repayment amounts and schedules
Choose terms spanning 1 to 10 years, customised to align with your business requirements
Ideal for UK-incorporated limited companies of all scales

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What is a Short-Term Business Loan?

A short-term business loan is a financing option designed to meet immediate financial needs and capitalise on time-sensitive opportunities. Unlike traditional long-term loans, these loans are characterised by shorter repayment periods, typically ranging from a few months to a year. Short-term business loans offer quick access to funds, making them ideal for addressing urgent expenses, managing cash flow fluctuations, or seizing growth opportunities.

The Pros of Short-Term Finance

Rapid Approval: Get your funds quickly to address pressing business needs.
Flexible Repayment: Tailor the repayment schedule to match your cash flow cycle.
Versatile Use: Use the funds for various purposes, from inventory restocking to bridging gaps in cash flow.

Will I Need a Personal Guarantee?

Yes, to receive a short-term business loan from us, we require a personal guarantee. A personal guarantee is a commitment from the business owner or a key stakeholder to take personal responsibility for repaying the loan if your business is unable to do so. This adds a layer of assurance for most lenders.

How Risky is a Personal Guarantee?

Securing a short-term business loan is now a seamless process with Apt Payment. We refrain from making assumptions about your business; instead, our team of business loan experts dedicates themselves to comprehensively understanding the intricacies of your company. Each business loan application is meticulously evaluated on an individual, case-by-case basis, ensuring tailored solutions that align with your unique needs.

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Our Short-Term Business Loans

Securing a short-term business loan is now a seamless process with Apt Payment. We refrain from making assumptions about your business; instead, our team of business loan experts dedicates themselves to comprehensively understanding the intricacies of your company. Each business loan application is meticulously evaluated on an individual, case-by-case basis, ensuring tailored solutions that align with your unique needs.

Lightning-Fast Business Funding

We’ve removed the red tape from traditional financing to offer a speedier, more convenient funding solution.

Apply Today, Approved Today: Our team often turns around approvals the very same day.
Fast Transfers: You may receive funds in as little as 3 hours after approval, subject to availability.

No waiting games, just quick access to the funds you need, exactly when you need them.

How Do Our Short-Term Business Loans Work? 

Our commitment is to streamline the business loan application process, offering personalised solutions tailored to your company’s specific requirements. You can receive a business loan from us in three simple steps.

Step 1: Express your interest by registering with us. Our experts will engage in a discussion to explore and identify the most suitable loan options for your business.

Step 2: Upon selecting your preferred option, submit your application along with essential documentation such as trading accounts, profit and loss statements. Providing insights into the purpose of the loan is also beneficial.

Step 3: Our dedicated team will carefully assess your case. Upon successful evaluation, we can promptly transfer the agreed-upon amount into your account within a few hours (subject to availability) of your same-day approval.

How Do I Repay a Short-Term Business Loan?

We offer a lot of flexibility when it comes to repaying your short-term business loan. You can agree on a repayment plan ranging from 1 to 10 years, and your terms will be determined based on the size of your business. If you are ever concerned about your repayments, reach out to our customer services. We operate a human-led approach to ensure you access the help you need as quickly as possible.

Types of Short-Term Business Loans

We offer a range of short-term business finance options in addition to our secured loans. Explore how else we can help your business today.

Secured Short-Term Business Loans

Loans backed by collateral, such as business assets or property, allow for lower interest rates and higher loan amounts.

Merchant Cash Advances

Advances based on future credit card sales. Repayment is a percentage of daily credit card transactions, making it an option for businesses with consistent card sales.

Bridging Loans

These short-term loans are designed to cover immediate financial needs while awaiting a more permanent financing solution. Bridging loans are often used in line with commercial property transactions.

Find Out More

Why Choose Us?

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Swift Loan Disbursement

Following the approval of your documentation, we expedite the processing to ensure your business loan is swiftly delivered within a few hours, providing you with prompt access to your funds.

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Flexible Financing

Acknowledging the distinct needs of each individual, our loans are personalised to match your specific requirements. We offer loans ranging from £10,000 to £2 million at fixed interest rates, and you have the added flexibility of opting for a top-up if your needs change.

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Convenient Repayment Choices

Customise your loan repayment plan according to your comfort. Select from a range of instalment frequencies, including daily, weekly, or monthly, ensuring a repayment schedule that suits your preferences.

    
 
 
       Posted on Google  
   
   Saman Hassan 
 6 June 2026
 
 
 Trustindex 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  
   
   Anita Kaur 
 26 May 2026
 
 
 Trustindex 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  
   
   JJ_n_TY Chitiyo 
 22 May 2026
 
 
 Trustindex 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  
   
   Brenda Chikosha 
 25 April 2026
 
 
 Trustindex 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  
   
   Caphas Chisangowerota 
 22 April 2026
 
 
 Trustindex 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  
   
   MUHAMMAD ZAMAN WARRAICH 
 17 April 2026
 
 
 Trustindex 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  
   
   Robin Sharma 
 14 April 2026
 
 
 Trustindex 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  
   
   isaac ogundiran 
 10 April 2026
 
 
 Trustindex 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  
   
   Rebwar 
 24 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

When Should I Get a Short-Term Business Loan?

Business require short-term business loans for a wide range of reasons, including but not limited to:

Immediate Cash Flow Needs: To address temporary gaps in cash flow and ensure ongoing business operations.
Seasonal Inventory Fluctuations: For businesses experiencing seasonal demand variations, a short-term loan can help manage inventory levels.
Opportunistic Growth: Seizing time-sensitive opportunities for expansion, such as acquiring new equipment or launching a marketing campaign.
Bridge for Long-Term Financing: When awaiting approval for a long-term loan, a short-term loan can bridge financial gaps.
Emergency Expenses: To cover unexpected costs like equipment repairs, urgent maintenance, or unforeseen challenges.
Dealing with Accounts Receivable Delays: When waiting for client payments, a short-term loan can maintain financial stability.
Capitalising on Supplier Discounts: Taking advantage of discounts by paying suppliers early, enhances cost-efficiency.
Project Funding: Financing specific projects or contracts with defined short-term financial needs.

two men during a business banking meeting

Are You Eligible?

It is easy to take out secured business finance. You only need to be:

Over the age of 18
The owner of a UK-based business

What Documents Do You Need?

We only ask for 2 types of documents as part of your application:

At least 3 months of business bank statements
Address details of the property

FAQ

What is the anticipated approval timeframe for a short-term business loan?

The anticipated approval timeframe for a short-term business loan can vary, but typically ranges from a few days to a few weeks, depending on the completeness of your application and the lender’s processing time. With us, however, we endeavour to review and approve your application the very same day, releasing your funds in approximately 3 hours after that.

What other options do I have aside from short-term business loans?

In addition to short-term business loans, alternative financing options include lines of credit, business credit cards, invoice financing, and traditional bank loans.

Is it possible to secure a short-term business loan with a poor credit history?

While securing a short-term business loan with a poor credit history may be challenging, some lenders specialise in accommodating businesses with less-than-perfect credit. Exploring these specialised lenders may increase your chances of approval.

What factors contribute to the higher costs associated with short-term business loans?

Higher costs associated with short-term business loans are often attributed to their quick accessibility, tailored terms, and perceived risk by lenders due to the shorter repayment period.

How can I go about selecting the optimal short-term business loan for my needs?

Selecting the optimal short-term business loan involves assessing your business needs, considering interest rates and fees, and comparing loan terms. It’s crucial to align the loan features with your specific financial goals.

Are short-term business loans advisable for startup ventures?

Short-term business loans can be suitable for startup ventures, but careful consideration of the repayment structure, interest rates, and the business’s ability to generate income is essential.

Can I apply for a short-term business loan using my personal information?

Generally, short-term business loan applications are submitted under the business’s name. However, personal information, particularly regarding business owners’ credit history, may be considered during the application process.

What is the Annual Percentage Rate (APR) for business loans?

The Annual Percentage Rate (APR) for business loans can vary, and it’s crucial to inquire with the lender about the specific APR associated with the short-term business loan you are considering.

In what ways does a short-term business loan differ from a conventional loan?

Short-term business loans differ from conventional loans in terms of the repayment period. Short-term loans typically have a repayment term of 1-10 years, while conventional loans may have longer repayment periods.

What are the consequences if I am unable to meet the repayment obligations on my loan?

Failure to meet repayment obligations on a loan can result in late fees, increased interest rates, and damage to your credit score. It’s essential to communicate with the lender if facing difficulties to explore potential solutions.

What sets SME Loans apart as a choice for short-term business financing?

SME Loans distinguishes itself by offering loan amounts tailored to individual business needs (£10,000-£5 million), fixed interest rates for transparency, flexible terms spanning 1-10 years, and catering specifically to SMEs of all sizes in limited companies within the UK.