NEWFinneus is live - £5,000 to £1 million for UK limited companies and LLPs, through our lending panel. Check in 2 minutes

Money for your business, minus the bank energy.

£5,000 to £1 million for UK limited companies and LLPs, through our lending panel. We show you the full cost in pounds before we ask your name - and if waiting is cheaper than borrowing, we'll tell you that instead.

Checking won't ding your credit score - it's a soft search. And you pay us £0. Ever.

What do you need?

2 minutes · no password · no credit-score ding
£30,000
£5,000£1,000,000
A month
£3,153
Total repayable£37,841
Interest£7,061
Arrangement fee£780
What you pay Finneus£0
Check properly - 2 mins →
Indicative, not a quote. Apply and you get your actual rate - soft search only, so no effect on your credit score.
How it works

Three steps. No phone tennis.

01

Check

Two minutes, a few easy questions, checked against Companies House as you type. No documents to get your answer, no password, no effect on your credit score. If the lender needs a document before they confirm, we ask then and you send it in one click.

2 minutes
soft search only
02

Straight answer

In scope for the panel, or an honest no with reasons. A named person picks it up and places it. No call centre, and nobody rings you five times.

Often minutes
24 hours at the outside
03

Funded

Accept and the money goes to your business bank account. Decisions can land in as little as 20 minutes, and 24 hours at the outside. If they need documents first, it takes as long as it takes you to send them.

Often same day
sometimes instant
What it costs

The whole price. Including the bit they hide.

A representative example, worked the way the lender works it. Every number that comes off your account, in one place.

Say you borrow£30,000
Over12 months
Interest at 3.33% per 30 days£7,061
Arrangement fee, 2.6%£780
Monthly repayment£3,153
Total repayable£37,841
Cost of the borrowing£7,841
Repay early and you only pay interest for the time you borrowed - no early repayment charge. The arrangement fee is not refunded. If things go well, the dear one gets cheaper. Figures indicative, not a quote - apply and the lender gives you the real one.
You pay us £0.

Checking, quotes, completing - all free for you, always. The lender you pick pays us a commission, and we put that in writing before you sign anything. Your rate is the same with or without us.

The straight bit

The stuff most lenders mumble.

Sometimes you shouldn't borrow.

If HMRC's late-payment cost is smaller than the cost of credit, waiting wins. Our calculator does that maths in the open - and below the line, we tell you to wait.

Honest, even when it costs us the deal.

Personal guarantees exist.

You will be asked for one, covering the full amount. If the company cannot repay, you repay it personally, and your own assets are on the line. We say it here, on the homepage, so it never ambushes you on page nine of a contract.

No page-nine surprises.

We're new. No fake reviews here.

Every "£42m funded" badge you've seen this week was picked by a marketing team. We'd rather earn it. When we have numbers worth showing, they will be the real ones.

Judged on the real thing.
FAQ

Asked and answered.

Will this ding my credit score?No.+
Checking is a soft search - it does not affect your credit score and other lenders cannot see it. A full check only happens if you choose to go ahead with a lender.
What does it cost me?£0.+
Nothing, ever. The lender you choose pays us, and everything's confirmed in writing before you sign.
Is my business eligible?Probably.+
UK limited companies and LLPs, £5,000 to £1 million. The panel looks at trading history, turnover and how the account is run. Terms are usually 12 to 24 months. We tell you straight if you are out of scope.
Where does the money go?Your business account.+
Funds are paid into the business's own bank account - not a personal one, and not to a supplier on your behalf. If the account isn't in the company's name, the lender can't release the money.
How fast is the money?Often minutes.+
Decisions can come back in as little as 20 minutes, and our panel commits to 24 hours on a complete application. If a document is needed first, it takes as long as it takes you to send it. Lender timings are typical, not promised.
What if we can't repay?Talk to us.+
Tell the lender early. Missed payments cost more and can lead to default charges and legal action, and because these loans carry a personal guarantee the lender can pursue you personally for the balance. Repayment plans are normal and far better than silence. And before you borrow, our maths tells you if waiting is the cheaper move.

Two minutes. A straight answer either way.

No credit-score ding. No documents to get your answer. No phone tennis. You pay us £0.

Start my application