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Same-Day Business Loans

Fast Business Loans for UK SMEs

Your bank takes weeks. We take hours. Apply in 2 Minutes, get approved the same day, and receive £25k–£750k in working capital before your next payroll is due. No collateral, no hard credit checks, no unnecessary delays.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Common Use Cases
How UK Business Owners Use This Funding
Covering an unexpected supplier invoice
A supplier demands early payment or a large order arrives. Fast funding bridges the gap so you don't lose the deal or damage a key relationship.
Seizing a time-sensitive opportunity
A discounted bulk order, a new contract, or an expansion opportunity. When you need to move fast, waiting weeks for a bank loan isn't an option.
Managing a cash flow gap
Clients paying late while your own bills are due. Fast funding keeps your operations running smoothly while you wait for receivables to land.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form. No paperwork, no branch appointments, and zero hard credit pull. We will never affect your credit score during the initial application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
At a Glance
How Elect Capital Compares
We built our funding process around what UK business owners actually need. Here is how it measures up against traditional lending.
Traditional Lenders
Elect Capital
Approval speed
2 to 6 weeks
Same business day
Collateral required
Typically yes
Never
Hard credit check
Yes, during application
No hard credit pull
Documentation needed
Business plans, projections, years of accounts
Basic details and recent bank statements
Personal guarantee
Usually required
Not required
Funding range
Varies widely
£25k to £750k
Your point of contact
Call centres and rotating staff
Dedicated UK-based advisor
Eligibility
Who Can Apply?

You don't need perfect credit or property as collateral. If your business is generating consistent revenue and has been trading for at least a year, you're likely eligible.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
Industries
Industries We Work With
We fund established UK businesses across a wide range of sectors. If your business generates consistent monthly revenue and has been trading for at least 12 months, we want to hear from you.
FAQ
Common Questions
If you apply before 2pm, you can receive an offer the same day. Once you accept, funds are typically transferred within hours. Many businesses are funded the same business day they apply.
Basic business details, your company registration number, and recent bank statements. The entire application takes about 2 Minutes. No detailed business plans or financial forecasts required.
We provide funding from £25,000 to £750,000. The amount you qualify for depends on your business revenue and trading history, not your personal credit score.
Speed and accessibility. Banks typically take 2-6 weeks and require extensive documentation, collateral, and strong personal credit. Elect evaluates your business performance and can fund you the same day, with no hard credit check during the initial application.
No. Elect Capital does not perform a hard credit check during the initial application process. You can apply and receive an offer without any impact on your personal or business credit file.
Most established UK SMEs are eligible. You must be a UK-registered limited company or partnership, have been trading for at least 12 months, and generate a minimum of £25,000 in monthly revenue. We fund businesses across a wide range of industries including construction, retail, hospitality, healthcare, technology, and professional services.
We look at the full picture. Our assessment is primarily based on your business revenue and cash flow trends, not just a credit score. Many businesses with imperfect credit histories successfully qualify for funding through Elect Capital.
Repayment terms are tailored to your business and typically range from 3 to 18 months. We design schedules that align with your revenue cycle — whether that's weekly, fortnightly, or monthly — so repayments are manageable from day one.
No. Applying is completely free and does not commit you to anything. You will only proceed if you choose to accept an offer, and all costs will be clearly explained before you sign.
Yes. Many Elect Capital clients return for additional funding as their business grows or new needs arise. Once you have an established relationship with us, subsequent applications are typically even faster.
No. Elect Capital's fast business funding is unsecured. You do not need to put up property, equipment, or other assets as security, and no personal guarantee is required.
The Elect Difference
Why Business Owners Trust Elect
We're not a bank. We're not a broker. We're a dedicated funding platform built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution. No middleman, no delays.
Get Started
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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