Business Finance
Funding to grow your business.
Whether you need working capital, equipment finance, or a cash advance against your card sales — we connect you with the right funding, fast.
Finance Solutions
We offer a range of funding options tailored to your business needs. No one-size-fits-all — just the right fit.
Unsecured Business Loans
Borrow from £1,000 to £500,000 without putting up assets as security. Ideal for working capital, stock purchases, or unexpected costs.
Merchant Cash Advance
Get an advance based on your future card sales. Repayments are taken as a small percentage of daily card transactions — so you pay less when business is quiet.
Asset Finance
Spread the cost of equipment, vehicles, or machinery over time. Keep your cash flow healthy while investing in business growth.
Invoice Finance
Release up to 90% of the value of your outstanding invoices immediately. Stop waiting 30, 60, or 90 days to get paid.
How It Works
Getting funded shouldn't be complicated. Three simple steps and you're on your way.
Apply in Minutes
Fill out a simple online form. No lengthy paperwork or branch visits required.
Get a Decision Fast
Our lending partners review your application and provide a decision — often within 24 hours.
Receive Your Funds
Once approved, funds are transferred directly to your business account. Start using them right away.
Why Finance Through Us?
Panel of Lenders
We work with multiple lending partners to find the best rates and terms for your business.
No Upfront Fees
You won't pay a penny until your funding is approved and in your account.
Dedicated Support
A real person guides you through every step — from application to payout.
Fast Turnaround
Most applications are reviewed within 24 hours. Funds can land in days, not weeks.
Frequently Asked Questions
How much can I borrow?
From £1,000 up to £500,000 depending on your business profile, turnover, and the type of finance you choose.
How quickly will I receive funds?
Most applications are processed within 24-48 hours. Once approved, funds are typically in your account within 1-3 business days.
Do I need to provide security?
Not always. Unsecured loans and merchant cash advances don't require assets as collateral. Asset finance uses the equipment itself as security.
Will it affect my credit score?
Initial eligibility checks are usually soft searches that don't impact your credit score. A full credit check is only carried out once you proceed with an application.
Can I repay early?
Yes. Most of our finance products allow early repayment. Some may have early settlement fees — we'll make this clear upfront before you commit.
Important Information
United Payments is a credit broker and not a lender. We work with a panel of lenders who may pay us a commission. Finance is subject to status and affordability. Terms and conditions apply. Applicants must be 18 or over and a UK resident.
Representative example: Borrowing £10,000 over 24 months at a representative APR of 12.9%. 24 monthly repayments of £473.13. Total amount repayable £11,355.12. Total cost of credit £1,355.12. This example is illustrative only — your actual rate and terms will depend on your credit assessment and business circumstances.
United Payments Ltd is authorised and regulated by the Financial Conduct Authority (FCA) [FRN: TBC]. Our Companies House registration number is 11274512. Registered office: 601 Green Lanes, London N8 0RE.
If you have a complaint about our service, please see our Complaints Procedure. You may also have the right to refer your complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk.
Get Started
Ready to Transform Your Business?
Call us directly or fill out the form — we'll find the perfect solution for you.
0333 567 3568
Free consultation call
Next-day setup
Get up and running in 24 hours
No lock-in contracts
Flexible terms, cancel anytime
24/7 UK support
Real people, real help