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Flexible Short-Term Business Finance

Short-Term Business Loans UK

Not every business challenge needs a 5-year loan. Get £25k–£750k in short-term capital with clear repayment schedules that match your business cycle. Borrow only what you need, for only as long as you need it.

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
Bridging seasonal cash flow gaps
Revenue dips in Q1 but costs don't? Short-term capital covers the gap so you don't cut staff, reduce inventory, or miss supplier payments during slow periods.
Funding a specific project or contract
Won a new contract but need upfront capital to deliver? Short-term funding covers project mobilisation costs without locking you into years of repayments.
Managing VAT or tax payments
A large tax bill arrives when cash is tight. Short-term funding lets you pay HMRC on time and avoid penalties while your receivables catch up.
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
Our short-term business loans typically range from 3 to 18 months, depending on your business needs and cash flow. We tailor the repayment schedule to match your revenue cycle.
If you need capital for a specific purpose with a clear timeline, like bridging a cash flow gap, covering a seasonal dip, or funding a project, a short-term loan is often more cost-effective than a long-term facility you don't need.
Early repayment terms vary by product. We'll always explain your repayment options clearly before you commit, and many of our products allow early repayment.
Unlike overdrafts, which can be withdrawn at any time by your bank, a short-term loan gives you a fixed amount with clear, predictable repayment terms. You know exactly what you owe and when, with no surprises.
Most established UK SMEs are eligible. Your business must be UK-registered as a 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.
Apply before 2pm and receive a same-day decision. Once you accept an offer, funds are typically in your account within hours. There are no lengthy approval processes or weeks of waiting.
Short-term loans from Elect Capital range from £25,000 to £750,000. The amount you qualify for is based on your business revenue and trading history, not personal assets or credit scores.
No. There is no hard credit check at the initial application stage. Applying for a short-term business loan through Elect Capital will not affect your personal or business credit profile.
No. Our short-term business loans are fully unsecured. You do not need to put up property, equipment, or other assets, and no personal guarantee is required.
Yes. Many Elect Capital clients return for repeat funding as new needs arise. Once you have an established track record with us, subsequent applications are typically faster and more straightforward.
Short-term loans from 3 to 18 months suit most working capital and project-based needs. If you are looking for longer-term structured financing, speak to our team about the options available to your business.
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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