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

1 week
Always so very responsive and helpful
Always so very responsive and helpful. Would highly recommend.
M Soliman
1 week
Absolutely brilliant. Excellent contact throughout and managed to secure me an excellent rate of finance. Very professional. Both Barry and Graham were incredibly efficient - Cheers!
Jak H
3 weeks
Ferratum Business was professionalism…
Ferratum Business was professionalism personified. I will certainly do business with them again and I hope this will be a continuos business relationship. There were no technical jargons or legal sommersaults but everyday plain speaking and at the end of the day they delivered on the business. Kudos

Blog / News

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plan for small business
If you run a small business, you know there are many topics to consider. We believe you're left to focus on these 8 subjects when attempting to grasp all accessible data
relieved business owner ferratum business blog
Most business owners think that it’s hard to qualify for a small business loan, mostly after they were rejected by a bank. After talking to a lot of small business owners we say that it’s not hard to qualify for a small business loan.
Financial advice

Small and medium-size companies are the core of the European economy.

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.

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.