Startup Business Loans
Business loans for startups and new businesses
Finance for businesses at every stage - even from day one
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
New business, big ambitions?
Government Startup Loan Scheme
Personal loans of up to £25,000 per director (up to £100,000 per business) at a fixed rate, backed by the British Business Bank. Available for businesses trading under 36 months.
Asset Finance for Startups
Finance equipment, vehicles, or machinery from day one. The asset itself provides security so trading history matters less.
Invoice Finance for New Businesses
If you are billing B2B customers, you may be eligible for invoice finance from 3-6 months of trading - releasing cash tied up in unpaid invoices.
Why businesses choose us
Early stage specialists
We work with lenders who understand startups and new businesses.
Government schemes
We guide you through the British Business Bank Startup Loan application.
Asset-backed options
Finance equipment from day one with the asset as security.
Expert support
Dedicated advisers who help present your startup in the best possible light.
Finance by Industry
Finance hardware, software and operational costs for fast-growing technology businesses.
See Technology finance options →Startup Business Loan FAQs
Yes. While traditional high-street banks require 2+ years of trading history, specialist lenders and government-backed schemes support startups from an earlier stage. Spark Finance compares startup-friendly lenders and can help you identify the most suitable funding for your stage of business.
Startup Business Loans across the UK
Spark Finance arranges startup business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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