We help drive businesses forward

The faster and easier way to get a business loan.
Qualify For £50,000

Loans for £2,000 - £50,000.

No collateral required.

Apply in 5 Minutes

No paperwork.

The application process takes less than 5 minutes.

The Working Capital You Need

Fixed monthly payments.

No end-of-month obligations.

It’s Easy

Safe and secure.

Applying is free.

How it works

Apply online in minutes

Tell us a bit about your business and how much you´d like to borrow.

Get a loan offer

We will present you with a loan offer. Review your monthly repayment and interest rate and let´s proceed.

Monthly billing

After your loan has been approved, funds will be transferred to your account within one business day.


What we can offer your business

Working capital loans

Borrow up to £50,000 quickly and easily. Whether it’s vendors who need to be paid, inventory, or leasing equipment, get the working capital you need to run your business. Complete a loan application online and get an answer within minutes.


Complete transparency

Doing business is easier when trust is established. With all our loans, what you see is what you get. Fixed monthly repayments and no end-of-month obligations. Pay only for what you use with no hidden costs or prepayment penalties.


Loan decisions based on your cash flow

We strive to say yes when others say no. We review your loan application based on your cash flow situation, not your credit score only.


what we offer

Trustpilot Reviews

6 days
Excellent service
Excellent service. Quick and efficient and very pleasant, professional and polite members of staff. Would highly recommend!
Johanne Harvey
1 month
Fantastic for small businesses
Incredibly simple, fast and straightforward process. Very professional and courteous service. Would highly recommend!
M Soliman
1 month
Excellent service from Ferratum
Excellent service from Ferratum, when other lenders make you jump through multiple hoops for second round lending to eventually get a no from the underwriters Ferratum make it possible helping the business to expand meeting those investment costs we have to make. Only downside is the interest rate, but keep the lending short term and the loan works.
Philip Emsley

Am I eligible for a business loan?

In Operation

Your business has been in operation for more than 12 months.


Your company earns at least £75,000 in annual turnover.


All owners of your company are the United Kingdom based.

Bank account

You have a dedicated business bank account.

Physical presence

You have a physical business presence in the United Kingdom.

Latest blog posts

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As a small business owner, when it comes to finding inspiration, keeping on top of the latest trends in your industry, and connecting with potential partners and customers, there´s no better opportunity than at conferences.
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If you´re running a small or medium business, chances are you´re familiar with the expression “when it rains, it pours”. Between inventory, production, and marketing costs, equipment hire, and employee salaries, having enough working capital to...
A Day in The Life of an SME Owner

If you´re running an SME, you probably don’t need anyone to tell you that it’s not quite like working a 9 to 5. The point where most people end a typical work day often marks the halfway point for those running a small business.