1. Speak to a Stable advisor
We identify which products could cover your requirement and guide you through the options — before any lender is approached.
Business LoansFund the growth.
Fund the growth.
Compare the whole market in one process.
Fixed-rate and flexible business loans from a panel of leading UK lenders — one application, multiple competitive offers, expert help on structure.
Check eligibilityThe problem
The lending market is bigger than any single bank shows you
You need funding. Your bank offers you their product. But the UK lending market has dozens of banks, challenger lenders and specialist funders — each with different appetites, rates and structures. You just do not see them from where you're standing.
Stable runs one application across a full panel of suitable lenders. You compare real offers, not marketing pages. And you keep control of the decision — with an advisor who explains what each offer actually means.
What we fund
Loans for the moments the business needs to move
Growth capital
New hires, new markets, new product lines, new sites. Funding aligned to expected returns.
Working capital
Stock, payroll, supplier payments and cash flow smoothing. Sized to the trading cycle.
Equipment & assets
Machinery, vehicles, IT and fit-outs. Consider asset finance alongside for better structuring.
Refinancing existing debt
Replace expensive borrowing, consolidate facilities, restructure covenants.
Acquisitions & MBOs
Fund the purchase of another business or shares from existing shareholders.
Property purchase & refit
Fund commercial property, refurbishment or leasehold improvements.
Types of business loan
Match the loan to the requirement
Secured business loan
Loan secured against property, assets or a debenture. Usually lower rates, higher amounts, longer terms — but requires available security.
Unsecured business loan
No specific security taken; usually backed by a personal guarantee. Faster, more flexible, but rates and amounts reflect the higher lender risk.
Fixed-rate loan
Payments known in advance, insulated from rate movement. Suits businesses that value certainty and budgeting confidence.
Variable-rate or flexible loan
Rate moves with base rate or lender pricing. Often lower to start, more flexible on early repayment. Suits businesses expecting rates to fall or planning to refinance.
How it works
Your loan in five steps
2. Upload documents once
Recent accounts, management information, bank statements, aged debtors and creditors. Uploaded once into a secure portal.
3. We work the panel
Our platform and team approach a suitable panel of lenders and work to receive competitive offers on your behalf.
4. Compare real offers
Review side-by-side. We explain the differences on rate, fees, security, covenants and flexibility.
5. Contract & receive funds
You contract directly with your chosen lender. Funds typically land quickly — days to weeks depending on the facility.
Why Stable
Multiple offers. One application. Real advice.
Your bank has one product. Comparison websites list rates without context. Direct lender applications leave you with no leverage on structure. None of these give you the whole picture.
Book a strategy callAn AI-powered platform with an experienced advisory team
Fast where speed matters, human where judgment matters.
Multiple offers from a panel of leading UK lenders
One application, multiple competitive offers to compare side-by-side.
Advice that stress-tests every offer
An advisor explains why one offer might be sharper than another once fees, guarantees and flexibility are stress-tested.
Lender criteria
What business loan lenders actually look at
Well-prepared applications receive better pricing. Poorly presented ones get declined by lenders who might have said yes.
Book a callThe purpose
What the loan is for, how it will generate return, and how it will be repaid.
The business
Turnover, profitability, trading history, existing debt and management strength.
The affordability
Cash flow available to service repayments, both current and forecast.
The security
Property, assets, debenture, personal guarantees — and how they map to loan size.
Before you sign
Five questions worth answering first
Before continuing, have a think about these critical questions.
Need help? Talk to us- 1. Is the rate fixed for the full term, or does it float after a certain point?
- 2. What arrangement fees, early repayment charges or exit fees apply?
- 3. Are personal guarantees or debentures required — and against how much?
- 4. What covenants apply, and how much headroom do they leave?
- 5. Can the facility be topped up or refinanced if the business grows faster than planned?
Get started
Fund the growth. Choose from real offers.
Stable helps UK SMEs compare business loans across the whole market — one application, multiple offers, expert help on structure and terms.
FAQs
Frequently asked questions
Am I eligible for a business loan?+
Most UK-registered businesses trading 12+ months with positive cash flow can access some form of loan. Newer or loss-making businesses may still qualify with security or personal guarantees.
How long does the process take?+
Initial offers within days for most facilities. Funds can arrive in as little as a week for unsecured loans, longer for secured or larger structures where diligence takes more time.
When do I get the funds?+
After you sign the loan agreement directly with your chosen lender and any conditions precedent are satisfied. Usually days for unsecured lending, weeks for secured.
How much does it cost?+
Costs vary widely by loan type, security, term and lender. Fixed-rate secured loans typically price sharpest; unsecured and flexible facilities cost more for the speed and flexibility. Stable is remunerated by lender commission — we explain the model before you proceed.
Are loans available for companies with poor credit?+
Yes. Specialist lenders work with adverse credit, HMRC arrears or short trading history. Rates reflect risk, but funding is often still available where high street banks decline.
Is Stable a lender?+
No. Stable is an introducing credit broker, powered by Spark Finance Limited (FCA FRN 958123). We help you access and compare lenders, but you contract directly with the lender you choose.