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At Gable Business Finance, we specialise in helping UK limited companies secure the funding they need to grow, manage cash flow, or invest in opportunities. Limited company business loans are tailored specifically for incorporated businesses, taking into account company accounts, director involvement, and commercial viability.
Whether your company is a start-up, a growing SME, or an established business looking to expand, a limited company loan provides the capital to achieve your objectives while protecting personal assets and optimising tax efficiencies.
A limited company business loan is a facility provided to an incorporated business rather than an individual. The lender evaluates the company’s trading history, financial statements, and management accounts, and often requires director guarantees or security for larger loans.
Limited company loans are essential tools for businesses that want to separate personal and business liabilities, enabling directors to raise finance without directly risking personal assets (unless personal guarantees are requested).
Lenders often prefer lending to limited companies because they are separate legal entities with clear financial records. This makes it possible to access larger facilities than sole traders might be able to obtain.
Limited companies are viewed as professional, regulated entities. Lenders assess company accounts, cash flow, and corporate structure rather than relying solely on personal credit scores, which can improve approval chances.
Interest on business loans is usually tax-deductible, which can reduce the effective cost of borrowing. Structured properly, limited company loans can help optimise the business’s financial strategy.
Limited companies can access a wide range of finance options, including:
This flexibility allows businesses to choose the most suitable facility for their unique situation.
Term loans provide a fixed sum of capital with agreed repayment terms, typically over 1–10 years. These loans are suitable for:
Advantages: Predictable repayment schedule, competitive interest rates, and structured planning.
Considerations: Some lenders require security or director guarantees for larger loans.
Asset finance includes hire purchase, finance leases, and equipment loans, allowing companies to acquire assets while spreading the cost over time.
Benefits:
Use Cases: Manufacturing machinery, vehicles for logistics, IT hardware upgrades, or other business-critical equipment.
Limited companies often require commercial mortgages for purchasing or refinancing business premises. Lenders focus on:
Benefits: Enables property acquisition without depleting working capital; interest may be tax-deductible.
Use Case Example: Expanding into a larger office or warehouse to accommodate business growth.
Bridging loans are short-term facilities, typically 3–12 months, designed to cover urgent funding needs, such as property purchases or temporary cash flow gaps.
Ideal For: Property developers, companies seeking rapid acquisitions, or businesses managing temporary financial gaps.
Invoice finance enables limited companies to unlock cash tied up in unpaid invoices.
Benefits: Improves cash flow, reduces reliance on overdrafts, and supports day-to-day operations.
Merchant cash advances provide immediate funding based on projected card sales, offering a flexible repayment tied to revenue.
Suitable For: Retail or hospitality businesses with predictable card transaction volumes.
Lenders assess limited companies differently than sole traders or partnerships. Typical eligibility requirements include:
Gable Business Finance assesses your company profile and aligns you with lenders whose criteria match your situation, improving chances of approval and competitive rates.
Effectively managing repayment of a limited company business loan is key to sustaining operations and avoiding cash flow issues.
Background: A limited company manufacturer needed £250,000 to upgrade machinery and increase production capacity.
Solution: Gable arranged a 5-year term loan combined with asset finance.
Outcome: Production capacity increased by 40%, orders were fulfilled on time, and revenue improved significantly.
Background: A tech start-up required funding to hire additional staff and purchase software licenses.
Solution: A 12-month unsecured limited company loan was arranged through a specialist lender.
Outcome: The company scaled operations, gained new clients, and repaid early, improving its credit profile.
Background: A limited company property investment firm wanted to purchase a warehouse for lease but needed capital for both purchase and refurbishment.
Solution: Gable structured a commercial mortgage combined with a short-term bridging loan.
Outcome: The property was acquired, refurbished, and rented successfully, ensuring steady cash flow.
Q: Can start-ups access limited company loans?
A: Yes. Specialist lenders offer finance for new limited companies, particularly asset finance or invoice-based facilities, provided a strong business plan is presented.
Q: Are director guarantees always required?
A: Not always, but larger or secured loans often require personal guarantees. Gable advises on mitigating personal risk while meeting lender requirements.
Q: What documentation is needed?
A: Typically, company accounts, bank statements, tax returns, director ID, and cash flow projections. We guide you to prepare a strong application.
Q: How long does approval take?
A: Depending on the loan type, approval can be as quick as 24–72 hours for short-term loans or several weeks for commercial mortgages or larger term loans.
Q: Can companies with imperfect credit still borrow?
A: Yes. Lenders consider trading performance and future cash flow. Gable matches businesses to lenders willing to accommodate less-than-perfect credit histories.
Take the next step with Gable Business Finance and secure the funding your limited company needs to grow, invest, and thrive.