business loans

Search tailored business loans without impacting your credit score

  • Connect your business bank account to Tide in minutes and find out which loans you're eligible for with our pre-eligibility checks. All without impacting your credit score.
  • Connect in minutes to see your credit options!
  • We’re fully authorised and regulated by the FCA as Open-Banking allowing you to connect external bank accounts to our services

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Connect your business bank account to Tide and receive a £75 Uber/Uber Eats voucher. Limited availability. Terms & conditions apply.

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Connect your business bank account to Tide and receive a £75 Uber/Uber Eats voucher. Limited availability. Terms & conditions apply.

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Unlock affordable credit for which you're already eligible*

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Estimate your amount

Access cash flow forecasts through Tide Connect to decide how much you need

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Compare business loans

View affordable credit solutions tailored to your business

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View repayments

Know exactly how much you need to pay back and when

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Boost your credit score

Pay your business loan back on time to grow your credit score

Compare business loan options for your business

Connect Cashflow Insights to your business bank account with Tide Connect and view tailored Tide Partners’ credit solutions based on your activity.

Business loans

Boost your cash flow, grow your business or cover your operational costs with a classic business loan.

  • Choose from affordable options to suit your business
  • Access a range of flexible repayment options
  • Scale your business with this longer term solution
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Start-up loans

Turn your business dream into a reality by applying for a start-up fixed-interest loan.

  • Get peace of mind with a UK Government-backed personal loan
  • Borrow up to £25,000 per business owner
  • Access finance of up to £100,000 per business
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Business cash advance

Cover the costs of extra stock or invest in new equipment with a business cash advance.

  • Use a short-term funding option
  • Repay as an agreed percentage on your card payments
  • Get flexibility during uncertain trading periods
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Recovery Loan Scheme (RLS)

Get your business back on its feet post-pandemic with a business loan from the Loan Recovery Scheme.

  • Use to finance working capital
  • Access a business loan of up to £350,000
  • Apply even if you’ve received Bounce Back/Coronavirus Business Interruption Loans
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Other partner products

Access and compare business loans from a host of other funding sources.

  • Apply for Revenue-Based Finance Loans
  • Access equity finance for your business
  • View grant funding opportunities for your small business
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Maintain a healthy cash flow with your personal business assistant

Ideally, you want more money coming into your business than going out.

Well, the good news is that Cashflow Insights is so much more than a credit solutions provider. It also helps you control your cash flow and boost your credit score. Get intelligent insights and balance predictions up to 30 days ahead. Receive recommended actions to help you stay in control of your finances.

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Revolutionise your business forecasting with Tide Connect!

With our Tide Connect integration, you can connect your Tide account, as well as any other business accounts you may have.

Cashflow Insights will then analyse the data from all your connected accounts. The more activity, the more personalised your forecasts will be.

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Keep your business finances healthy

Our mission is to help you navigate your financial future. With Cashflow Insights, you'll receive an up-to-date forecast in seconds, helping you to stay on top of your business finances.

  • Plan for the future 📈

    Get easy-to-read insights and balance predictions from our FREE cash flow planning tool.

  • Compare and choose the right funding 🔍

    Access a list of recommended options, tailored for your business.

  • Open up your options for funding 💷

    Stop paying high interest rates for business loans with affordable credit options.

  • Save time - no more lengthy applications 🕒

    All the credit products we’ll show you are tailored to your business, plus you’re already eligible*

  • Improve your credit score 🌱

    Borrow through Cashflow Insights and pay back what you owe on time

Get access

Business Loans FAQs

What is a business loan?

A business loan is a form of borrowing designed for commercial organisations, rather than individuals, which is paid back over an agreed period. This is usually anything from one month to up to 15 years. Business loans can be categorised into two types: secured or unsecured.

What do I need in order to apply for a business loan?

  1. There are a number of eligibility checks your business will need to meet in order to secure a business loan. Typically, these are:
  • Your credit score in order to check your credit worthiness
  • The age of your business
  • Annual revenue, including net operating income
  • Potential collateral – eg do you have any assets (inventory, property, equipment, etc) to back the loan in case of default.
  • Personal debt-to-credit-ratio – some lenders perceive being in receipt of a large amount of credit at the time of applying for a business loan to be a risk

Can business loans affect my business credit score?

Yes, when you apply for a business loan, a credit check will usually be run with Credit Reference agencies. If you submit multiple business loan applications, then this can send negative signals that your business may be in trouble and this can in turn have a negative impact on your credit score. With Tide Business Loans, pre-eligibility checks are carried out before you apply. This can reduce the likelihood of your application being rejected and adversely affecting your credit score.

Other ways in which a business loan can influence your credit score include if you default or fail to make repayments on time. However, using credit wisely and ensuring you always pay on time will help to grow your business credit score.

How long does it take to approve a business loan?

The length of time it takes to approve a business loan depends on the type of funding you have applied for. Some products, such as Merchant Cash AdvanceFlexible Loans or revolving credit have a very short turnaround and the approval process can take as little as 2 business days. Other types of funding, such as Start-Up Loans or Equity and Grant finance have a much longer approval process which can take several months.

How can Tide help me maintain a good business credit score and improve my chances of successful business loan applications?

With Tide Business Loans, we run pre-eligibility checks on potential funding options. You will only be presented with business funding options for which you may already be eligible, therefore increasing the likelihood that your applications will be successful. This will also help to maintain a good business credit score, as you are unlikely to make multiple applications that are unsuccessful.

What is an unsecured loan? How does it differ from a secured loan?

A secured business loan is money borrowed or secured against an asset you already own. This could be something like a car, premises or anything or value that will be used to secure payment to the creditor in the event that you are unable to repay the loan. In contrast, an unsecured business loan doesn’t require you to provide anything as security. Instead, you borrow a lump sum and then pay this back with interest over an agreed timeframe.

How can I get a business loan with bad credit?

Firstly, it’s worth checking your credit score by getting copies of your business credit reports. You can review these for any errors and question anything you believe to be inaccurate with the credit agency. The best next step is to start to increase your creditworthiness. This can be done by using a credit card, or opening a line of credit. There are also sources of funding available, such as Start-Up loans, which help new businesses with no credit history to fund their growth. Alternatively, equity and grant finance may be available that provide you with business loans based on the potential of your company, rather than your creditworthiness. 

We also offer Tide Credit Builder – designed specifically to help small businesses grow their credit worthiness and open up future options for funding.

Will my business loan application involve a credit check?

Yes, when you apply for a business loan, lenders will run credit checks with the main credit agencies to verify that you can afford to repay your loan. There is a risk that making too many failed business loan applications could negatively impact your credit score. With Tide Business Loans, pre-eligibility checks are carried out before you apply to reduce the risk of your application being unsuccessful. This also means that all the available options displayed will be tailored to your business needs.

How can I increase my chances of my business loan application being successful?

When starting a business, the best way to improve your chances of successfully securing a business loan is to ensure you maintain a positive cash flow. You should also pay your suppliers, taxes and all other business charges on time. This will ensure that positive signals are sent to both lenders and Credit Reference Agencies.

You can also use Tide Credit Builder, a credit card or credit line to help you boost your creditworthiness.

*Additional eligibility checks might be run when applying for Tide’s partner products

**Cashflow Insights is a data analytics tool and should not be construed as financial advice. You should seek independent financial advice before making any decisions about your financial future, including before entering into loans or purchasing any credit products advertised by Tide.