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Business Loans for IT and Tech Companies

IT and Technology Business Loans UK

Technology companies scale fast, but scaling requires capital for talent, infrastructure, and sales cycles that can stretch for months. Banks move too slowly and often do not understand recurring revenue models. Elect Capital provides fast, unsecured funding based on your actual business performance, helping UK tech companies hire, build, and grow without delay.

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
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Hiring developers and engineers
Top talent demands competitive salaries upfront. Working capital covers hiring costs while new team members ramp up and start generating revenue.
Long enterprise sales cycles
Enterprise deals can take months to close but you need to pay your team now. Working capital bridges the gap between deal pipeline and cash in the bank.
Infrastructure and equipment costs
Servers, licenses, development tools, and cloud infrastructure add up fast. Fast funding covers the technology stack your team needs to deliver.
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 with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the 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.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

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
In Practice
How Businesses Like Yours Use Elect Capital
Hiring Developers for a New Contract
A SaaS company won a six-figure enterprise deal but needed to onboard three developers before delivery could begin. Elect capital covered salaries and equipment for the first three months while the client's initial payment was processed.
Cloud Infrastructure Scale-Up
A managed services provider needed to expand cloud capacity to onboard five new clients. Elect funded the infrastructure investment, and the monthly recurring revenue from those clients covered the cost within 60 days.
Bridging a Long Sales Cycle
A cybersecurity firm had a £200k deal in late-stage negotiation but needed capital to maintain operations during the four-month procurement process. Elect working capital kept the business running while the deal closed.
FAQ
Common Questions
Yes. We fund UK-registered technology companies including SaaS businesses, IT services, managed service providers, and software development firms that meet our trading and revenue criteria.
Yes. Research, development, hiring developers, buying equipment, and cloud infrastructure are all eligible uses. We understand that tech investment drives future revenue.
Recurring revenue is a strong indicator of business health. We factor your subscription model and revenue predictability into our assessment, and it's often a positive signal.
Our eligibility requires 12+ months of trading history and £25k+ monthly revenue. We're best suited for established tech businesses with proven revenue, not pre-revenue startups.
UK tech businesses can access between £25,000 and £750,000. The amount available is based on your actual business revenue and trading history, not projected ARR or future valuations.
Apply before 2pm and receive a same-day decision. Once you accept an offer, funds are typically in your account within hours. Tech companies often use Elect to move on hiring or infrastructure decisions before a competitor does.
No. There is no hard credit check at the application stage. Applying through Elect Capital will not impact your personal or business credit profile.
Yes. Managed service providers, digital agencies, cybersecurity firms, IT consultancies, and software development houses are all eligible to apply, provided they are UK-registered and meet our trading and revenue criteria.
Yes. Maintaining operations, paying staff, and investing in pre-sales resources while a large enterprise deal moves through procurement is exactly the kind of challenge working capital from Elect is designed to solve.
Yes. Market entry costs including hiring, travel, marketing, and operational setup in new regions are all eligible uses of working capital.
You'll need your company registration number, basic business details, and recent bank statements. No pitch decks, ARR spreadsheets, or investor documentation are required. The application takes around two minutes.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender 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 for your business.
Apply Now
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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