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Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1.1 billion in funding to more than 19,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

Why choose Tide to finance your business? 

Applying for small business finance with Funding Options by Tide saves you time – there’s no lengthy application process and you get a decision in minutes.

Free and fast

It’s free to apply and it takes minutes to complete, saving you valuable time.

No risk

We run soft eligibility checks so you can compare business loans in the UK without impacting your credit score.

Bespoke

Our team of experts will help you from start to finish, searching the market for credit options best matched to your business.

Business Loan Calculator

Use our Business Loan Calculator to see your estimated monthly payments and total costs, giving you a better understanding of how much you can borrow.

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Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer. Tide will not be responsible for any discrepancy in the loan calculations and does not accept any liability for loss, which may be attributable to the reliance on and use of this calculator. You should always check directly with a lender to confirm the final offer and repayment amounts before selecting a financial product.

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Open a Tide account and apply for funding in the app

Applying for a business loan is simple. With access to over 80 lenders, Tide will find a lender tailored to your business needs.

  1. Download the app On Play Store or Apple Store

  2. Tell us about your company What’s your company name and industry?

  3. Upload your ID and take a selfie We’ll securely verify who you are

  4. Get your current account approved in minutes We may ask for additional information if required

  5. Apply for a loan Once your business account is approved, head to our Business Loans section to see what funding you're eligible for

Open an account

Access a range of business finance options from our trusted partners

What can you use a business loan for?

What’s your next adventure? Are you scaling up your operations, hiring new talent, or finally tackling that project you’ve been dreaming about?

Whatever it is, you can use a business loan to help fuel your success.

🚀 Expansion

Move your business to a bigger home, open new locations, or scale your operations

📈 Future investments

Purchase new equipment, upgrade your tech or fund research and development

💷 Improved cash flow

Smooth seasonal dips, cover unexpected expenses, or manage daily working capital

💡 New opportunities

Fund large and exciting projects, launch new marketing campaigns or acquire other businesses

What you need to apply for a business loan

Whether you’re a start up or seeking funds to scale, here’s what you need before you get started. 

Am I eligible for a business loan? 

  • You must be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

What documents do I need to provide?

  • Basic information about your business (age of your business, annual revenue…)

  • Bank statements covering the past year 

Note: Depending on your lending partner, this documentation may differ.

Apply for alternative business finance

Are you looking for funding for a specific purpose? Whether you’re after a new piece of kit or more flexible funding for wider projects, we have options for you.

Business Credit Cards

Manage cash flow, earn rewards and build your business credit score.

Explore credit cards

Merchant Cash Advance (MCA)

Access flexible funding that you’ll repay as a percentage of your daily card sales.

Explore MCA

Asset Finance

Pick up essential equipment or vehicles without upfront capital.

Explore asset finance

Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

Explore invoice finance

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

Track your credit score

Still have questions about our Business Loans?

Business account for all your business needs

Tide is about doing what you love. That’s why we’re trusted by over 1 million sole traders, freelancers and limited companies worldwide.

Open an account