Business loans for every situation
Business loans to help get your business off the ground or ease cash flow for a specific project.
With Rise Funding, you can:
- Compare lenders, rates and fees
- Dedicated finance specialist assigned to you
- Funding in as little as 24 hours
We make business loans simple
At Rise Funding, we do more than just provide business loans. We make the entire process as simple as possible, and listen to your business needs before directing you to the right lender.
Business loans with Rise Funding are quick, and we can provide funding within 24 hours.
Starting or running a business requires capital. Companies can borrow this from a bank, building society or online lender and, like with any loan, pay it back over time with added interest.
The amount of money you’ll need and how long you’ll take to pay it back will depend on your business’s circumstances. That’s why we offer tailored quotes and access to a range of lenders. We also assign you a dedicated finance specialist to help sift through your options.
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Flexible funding for your business
At Rise Funding, we provide a variety of loans to suit all types of businesses
Cashflow funding
Cashflow funding helps businesses fill the gaps in their business, often left from buying stock, paying rent, or paying employees or contractors. This type of funding is also helpful for seasonal businesses that might have lower revenues at certain times of year, but need to keep up with overheads all year round.
Asset finance
Asset finance allows you to secure funding based on owned assets, such as machinery, vehicles or manufacturing equipment. This can help you replace old equipment or expand your operations without putting pressure on your cash flow or needing lots of capital up-front
Invoice finance
Invoice finance allows you to borrow based on the value of unpaid invoices, which can help improve cashflow and also ease the stress of invoices being late, or restricted by 90-day payment terms.
VAT loans
VAT loans are a form of business loan designed to help pay VAT bills, which can free up capital if a company is required to pay this at a difficult time.
Property & construction finance
Property finance loans and construction loans are loans designed to cover construction costs or the costs of converting an existing property or developing your business. It can be secured against the newly purchased property, or existing business property or land assets.
Loan Calculator
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* this interest rate is a 'flat rate' and not an APR. 6.9% rate and longest term are based on the absolute lowest risk businesses and do not include any lender arrangement fees that may apply. This calculator is purely for illustrative purposes only. Rates, terms and amounts will vary depending on your businesses circumstances.
Unsecured vs secured business loan
Unsecured loans are offered without asking you to secure it against any of your business assets, goods or property, meaning no charges or debentures will be placed over the business or assets. However, a personal guarantee is often required.
With secured loans, the lender takes security over an asset or property. If you default on the loan repayments, the lender can recover costs through the asset or property. Secured loans often have lower interest rates and longer repayment terms.
Industries we work with
We are open to all businesses at Rise Funding, but here are the most common types of businesses we have helped:
Construction
Construction businesses often face financing challenges due to project delays, seasonal workflows, and unpredictable cash flow. Our construction loans will help any building project get back on track by unlocking capital to help fund materials, labour and equipment.
Retail & Hospitality
From high-street stores to local shops, we understand the retail cycle and provide tailored funding solutions for stock purchases, staff costs, and marketing campaigns to help you stay competitive. The hospitality sector has been hit hard in recent years, making traditional finance difficult to access. Whether you’re running a pub, hotel, or café, we offer flexible funding for renovations, expansions, and operating costs.
Healthcare & Care Sector
Care homes, clinics, and healthcare providers require stable cash flow to meet regulatory demands, payroll, and equipment needs. At Rise Funding, we understand the pressures of the sector and provide accessible finance solutions that support continuity of care and operational resilience.
Logistics (courier/trucking)
From last-mile delivery firms to large fleet operators, logistics businesses face rising fuel costs, Brexit-related disruption, and seasonal peaks. Our asset and working capital finance options help fund vehicles, route expansions, and operational growth, keeping your deliveries on schedule.
Wholesale
Wholesalers often operate on thin margins and tight turnaround times, especially when buying stock in bulk or working with dropshipping models. Rise Funding helps smooth cash flow, finance large orders, and bridge gaps between purchasing and payment, supporting sustainable growth.
Manufacturing
Manufacturers need access to capital to manage tooling, raw materials, machinery, and staffing. We offer finance tailored to production cycles, helping you meet demand, reduce downtime, and invest in long-term efficiency without straining your cash reserves.
Consultancy
Consultancies in sectors like finance, marketing, and IT often deal with project-based income and lumpy receivables. We provide funding that supports team expansion, tech investments, and day-to-day overheads, so you can focus on delivering expert advice without financial friction.
Engineering
From highway projects to structural design, engineering firms face capital-heavy project requirements and delayed payment terms. We support firms with tailored finance for equipment, staffing, and mobilising new contracts, helping you deliver technical excellence on time and on budget.
Benefits of business loans
Business loans carry a wide range of benefits depending on the type of business. Here are all the reasons you might want to consider a business loan with Rise Funding.
Improving cashflow
Business loans can help you manage your day-to-day cash flow and improve your cash flow when times are tight.
Accelerate business growth
Business loans can be used to turn your growth plans into a reality and reach the next stage of business development.
Investing in stock or equipment
Business loans can give you more options when it comes to purchasing equipment or machinery to help you grow.
Full support
At Rise Funding, we provide support throughout the entire business loan process, so you can ensure that you are getting the best loan possible for your business
Our customer reviews
FAQs
The most frequently asked questions about business loans.
Getting a quote from us won’t impact your credit score.
Most lenders we work with only do soft credit searches, and although a small number may apply hard credit searches, we will help you navigate through this.
You’ll only need a full credit report once you proceed with a lender’s full application. We’ll reduce the number of credit searches you need by carefully determining your eligibility for each loan option.
Our initial application process takes just two minutes, and we’ll provide you with a range of options from different lenders. Lenders can give us an answer within 24 hours and sometimes can come back to us in two.
Then, depending on how quickly you can provide the required documentation and sign agreements, the funds could be in your account in a couple of days.
If you choose an unsecured personal loan you might need to give a personal guarantee, but we will help you navigate this during the application process.
As a general rule, the interest rate you’ll have to pay on your business loan will depend on the terms you agree to – such as how much you borrow and the length of the loan – and your business circumstances.
There are also many other factors which will contribute to the interest rate, such as the age of the business, industry, credit profile, turnover, affordability in banks, number of customers/transactions, and region. Whether you are a homeowner or not will also affect the interest rate.
We’ll help you find the funding you need
This quote won’t affect your credit score
A dedicated finance specialist assigned to you
Funding in as little as 24 hours