Why choose us?

Transparent Terms

Our pricing is simple and transparent. Our pricing is simple and transparent and there are no hidden costs. Your approved loan amount, terms, and costs are based on our analysis of your business. Fees range from 2% to 3% based on a number of business performance factors. There is a 2.5% origination fee for new loans. Apply now and see your personalized offer.

Simple Process

We've simplified small business lending. No paperwork, and no waiting in line. In fact, our application process takes less than 5 minutes to complete. Get approved for up to £50,000  and withdraw working capital up to once a day.

Personal Service

We understand your investment is a professional, financial, and emotional one. From applying to managing your account and making the most of your capital, our friendly in-house team of experts are here to help whenever you need.

how it works

About Ferratum Business

With offices in Stockholm, Helsinki, Vilnius, Copenhagen, Perth and Liverpool Ferratum Business is focused on helping small businesses in the United Kingdom meet their financial needs.

Ferratum Business is a division of the Ferratum Group, a leading European finance company. The Ferratum Group is publicly traded on the Frankfurt Stock Exchange and operates in over 24 countries worldwide.

We understand that your business moves fast and conventional bank financing is often complicated or too slow to meet your needs. We created Ferratum Business to provide small business owners the working capital they need when they need it.

Using both state of the art technology and highly trained loan specialists, we are able to approve business loans faster and more often - all without collateral requirements, interviews, or paperwork.

Trustpilot Reviews

2 weeks
Great Service
Great Service. The team response rate was faster than 999.
Idris Adetayo
3 weeks
Very quick and reliable
Very quick and reliable. Thanks
Heathrow executive service ltd
3 weeks
Straight forward and transparent
Simple, straightforward application process and very transparent in their dealings with us. No hesitation is using Ferratum again for financing - they made it easy.
Mr J. Rosling

Blog / News

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5 steps on how to build good credit reputation for your small business
We all know that maintaining a good personal credit reputation is highly valued in our current economy. It also affects you as a business owner and can impact your company's financial abilities.
Does Your Small Business Offer A Loyalty Program?
If you think that loyalty or reward programs are only for “big box” stores and supermarket chains, think again. Brand awareness and marketing are crucial for every small business and giving your customers value and earning their loyalty...
How Much Money Can I Get From A Business Loan?
When it comes to running a small or medium business, time is always of the essence. Whether it’s vendors who need to be paid, paying staff, production costs, or inventory, we know that every day and every cent can make a difference...
Why You Should Attend Conferences As A Small Business Owner
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.

So, a person walks into a bank…


It sounds like the start of a riddle, doesn´t it? Well, in today´s day and age, walking into a bank kind of is.


To a small business owner, the saying “time is money” is a reality. When running an SME, every minute counts.


In 2013, American research-based, global performance-management consulting company Gallup conducted a 142-country survey which showed that only 13% of employees worldwide are engaged in their work.