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LIMITED COMPANY LOANS

Drive your expansion with a limited company loan

A limited company loan gives you the financial flexibility to invest in what matters most – whether it’s securing new equipment, hiring top talent, or launching a major marketing campaign.

  • Make big investments without draining your reserves

  • Quickly act on opportunities with cash at hand

  • Keep operations running smoothly during quieter periods

 Apply now

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

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 use Tide to secure a limited company loan?

From online applications to a wide range of lending partners, we’ve built a smarter way for limited companies to access the finance they need to thrive.

Apply online in minutes

Save valuable time by applying for a loan through our online process. Our intuitive application is designed to take just a few minutes, allowing you to bypass the paperwork and get back to growing your business in no time.

Compare options easily

Gain access to our network of over 80 trusted lenders to find the right fit. By comparing multiple offers in one place, you'll have a better chance of securing a deal that aligns with your specific business goals and cash flow needs.

Protect your credit score

Check your loan options with total peace of mind. Applying for a loan through Tide has no impact on your credit score, allowing you to see what you qualify for without affecting your financial footprint.

Access a range of business finance options from our trusted partners

What are the benefits of limited company loans?

Fuel growth

Want to fund a big marketing push, or hire new staff? A limited company loan can help you invest in your business’s future.

Boost cash flow

When increasing costs or ambitious growth plans put pressure on your finances, extra capital can help bridge the gap.

Cover shortfalls

If sales are slow or affected by seasonality, access to some extra cash can help keep your business running smoothly.

Afford big purchases

Big upfront costs can be challenging. Spreading the expense with a loan makes it easier to invest in what you need.

Apply now

Are you eligible for a limited company loan?

To be eligible for any type of business loan or credit from Tide, you must:

  • Be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

What do you need to apply for a limited company loan?

  • Basic information about your business, such as how old it is, and your annual revenue 

  • Information on directors and shareholders

  • Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

How to apply for a limited company loan

  1. Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

  2. Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

  3. Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

  4. Get a decision and credit is released Depending on the type of finance you’ve applied for, the money could be released in around 24 hours.

Apply now

We've already helped businesses secure more than £1.1 billion

We’ve provided funding to more than 19,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

What is a limited company loan and how does it work?

A limited company loan is a type of loan that’s taken out by a company that’s been registered with Companies House.

Because the loan’s in the company’s name, the debt legally belongs to the company rather than you personally. However, some lenders ask directors to provide a personal guarantee, which can make you personally liable if the company has issues repaying the loan.

The loan provides cash upfront, usually starting at £1,000 and can be up to £1 million, and your company pays it back in fixed monthly instalments.

Limited company loans can be used for any business-related reason, such as buying equipment or managing cash flow.

What can a limited company loan be used for?

Marketing and advertising

Struggling to cut through the noise and reach new customers? A limited company loan can fund targeted campaigns, refresh your branding, and help you break into new markets.

Buying more stock

Nothing halts momentum like empty shelves or delayed orders. With extra capital, you can bulk-buy inventory upfront and secure better supplier deals so you’re always ready to meet customer demand.

Making a big purchase

Old or inefficient equipment can slow down your operations. Whether it’s upgrading machinery or buying essential materials, this type of finance gives you the funds to make those important purchases.

Hiring new staff

Growth often means needing to expand the team. Access to funding lets you bring in the right people at the right time, helping you maintain quality while scaling your business.

Expanding your premises

If you’re running out of space to store stock or display products, you could use a limited company loan to help fund a larger premises, add showroom space, or accommodate new equipment.

Supporting cash flow

Are late payments or unexpected bills putting pressure on your cash flow? Finance can give you the headroom you need to cover expenses and pay suppliers on time, even when revenue fluctuates.

Types of loans for limited companies

Secured limited company loans

A secured limited company loan requires you to offer business assets as collateral, or “security”. An asset can include property, equipment, vehicles, or inventory. Offering an asset as security reassures lenders, increasing the amount they’re willing to lend you.

Interest rates tend to be lower than unsecured loans, and repayment terms tend to be longer. The approval process can take longer with a limited company loan, as the lender has to value and verify the assets.

Unsecured limited company loans

An unsecured limited company loan doesn’t require offering assets as security. Instead, your loan application is assessed based on things like your limited company’s credit history, turnover, trading time, and cash flow. You may also need to provide a personal guarantee, depending on the lender and your company’s financial strength.

You’ll typically be able to borrow less than secured loans, usually around £1,000 to £250,000. Interest rates also tend to be higher, and repayment terms shorter (up to five years, versus 10+ years for secured loans). But unsecured loans can often be secured much faster, since the lender doesn’t need to value an asset.

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.

Alternatives to limited company loans

From financing new assets to securing flexible working capital, explore the right option for your business.

Asset finance

Pick up essential equipment or vehicles without upfront capital.

Explore asset finance

Property finance

Borrow anywhere from £50,000 to £50 million to secure your business property.

Explore property finance

Working capital loans

Manage unexpected costs and maintain consistent cash flow without giving up equity.

Explore working capital

VAT loans

Take control of your cash flow and hit HMRC’s deadlines without draining your reserves.

Explore VAT loans

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

More resources for limited companies

Read more articles
Read more articles

Limited company loans FAQs

It can take as little as 24 hours to get approved for an unsecured limited company loan, with the money following shortly after. Secured loans can take longer due to the lender needing to value the assets being used as security.

You can typically borrow between £1,000 and £500,000, depending on the lender and your business history. Larger, more established businesses, and those using assets as security, can often borrow more.

The cost of a limited company loan varies by lender and your business history, but it’s typically more than vehicle finance and much less than a business credit card. It’s best to compare a wide range of lenders to find a suitable and competitive deal.

Applying for a limited company loan can affect your credit score if the lender uses a hard credit check. You can protect your credit score by applying with Tide, which uses a soft credit check.

Yes, it’s possible to get a limited company loan with poor credit. But you may need to pay a higher interest rate or provide an asset as security.

Limited company loans are typically repaid in fixed, monthly instalments. You’ll receive the money up-front, and typically repay it over a term of 1-5 years.

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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