Recovery loan scheme is live - contact us today 01473 553 430

Business Loans

Our business loans come from trusted lenders, and are designed to help you meet a variety of business objectives.

Don’t know what product is best suited? Our team are always here. Click the link below to get in touch with us directly.

We have strong working relationships with a wide variety of lenders.

This means that, whatever your requirements are, we’re able to connect you with the right lender at the right time for the right price. 

Everything we do is tailored to your organisational needs. It’s our job to find the perfect finance option for you.

How do business loans work?

Business loans can either be secured or unsecured. 

A secured loan is pledged against a valuable asset, such as your property or equipment. 

An unsecured loan doesn’t require you to put up tangible collateral, it depends solely on your organisational/personal circumstances, credit history, loan term and amount.

Our team will get to know you and your business, discuss your options and help you decide what kind of business loan is best in your situation.

Book your No obligation, free open discussion meeting today!

Our process

business loan process icon

Have an initial discussion about your options with our specialists

spinning cog icon business loans

Request requisite information from you and your business

solution to business loan problems icon

We’ll create a bespoke solution for you

secured business loan icon

We connect you with the right lender

business loan process icon

Secure funding for your business!

Our business loans

Unsecured business loans

We recognise that every business is different and meeting the requirements/timeframes of a lender that lends based on tangible security isn’t always easy, and may require valuations/legals. An unsecured loan is a highly flexible and speedy way to raise capital without needing any tangible assets.

Jones & Co have strong working relationships with a whole spectrum of lenders, allowing us to deliver fast unsecured business loans. Due to the nature of unsecured loans, they are quick to arrange and, in some instances, an enquiry will come through in the morning and we will be able to deliver client funds the same day.

Secured business loans

A secure business loan or secured debt is helpful when you wish to lock in a lower interest rate on your finance, and typically is used for larger amounts of capital, where an interest-only period or otherwise is required.

Property or business assets can be used as collateral, this counterbalances risk to the lender. Drawing funds against an asset means more security, with more security comes more lender comfort, allowing you to access capital quickly at a reduced rate of interest.

If you’re looking to access a secured business loan, Jones & Co are the best choice you can make.

Benefits of Business Loans

business loan trends discussion

Grow your business

Business loans inject the capital your business needs to meet its objectives.

manageable repayments for business loans

Manageable repayments

Our lenders offer flexible repayment plans, tailored to you.

fixed monthly repayments for business loans

Cheaper than an overdraft

Business loans are a better alternative with fixed monthly repayments.

business loan solutions

Business Loans

Our mission

Built on a long heritage of business finance, our traditional approach is centred around you, your business and your needs. 

No algorithms, no over-complicated process, no complex application forms, just our people, taking the time to get to know you and your business, before using our highly knowledgeable and creative underwriting techniques to connect you to the right funding at the right time.

Let’s talk

We’re here, speak to a friendly expert today

Alternatively, call us on:

01473 553 430

    How we can help

    Asset financeBusiness financeOther

    Our trustworthy lenders

    Frequently Asked Questions

    How do I get a business loan?

    There are a few key steps to follow when applying for a business loan:

    1. Check your business’ credit report – More favourable loans are offered to businesses with good credit. Make sure you’ve got a copy of your business’ credit report and ensure it’s accurate and up to date. You may choose to improve your credit score before applying for a loan.
    2. Ensure your finances are in order – If you have existing debts, make sure to settle them before taking out further loans. This will demonstrate to lenders that you’re a safe bet. It’s also good if you can demonstrate a healthy cash flow. You don’t have to clear all debts, but the less, the better.
    3. Check accounts for errors – Lenders will expect to see a complete profit & loss statement. They’ll also likely review your financial accounts, so make sure they’re accurate and recent (within the last 2 years).
    4. Plan the amount you want to borrow and why you need the funds – You’ll need to explain exactly why you’re borrowing the money. You may be borrowing in order to consolidate existing debts, this is also acceptable. Take the time to plan out how much you can afford to repay and don’t stretch yourself too thin.
    5. Consider costs – both financial and time – Products may need long-term managing. Some lenders may check in annually for financial reports. This takes time and resources; you should be prepared for that.


    Can you get a business loan with bad credit?

    You absolutely can! Your options will be somewhat limited with bad credit, but by partnering with business loan specialists, like our team at Jones & Co, you’ll be able to secure funding even with bad credit.

    How easy is it to get a business loan?

    Getting a business loan can be a daunting process, but it need not be. To make the process easier, we highly recommend talking to a qualified and experienced broker, like Jones & Co.

    What is an unsecured business loan?

    An unsecured business loan allows your business to take out a loan without having to provide specific asset security. Great for businesses with no assets, or ones that don’t want to put assets up as security. Generally interest rates will be higher with an unsecured loan.

    Let’s find you the perfect finance solution – get in touch.

    Speak to our team