What is this?

Using the sliding tab you can select the amount you wish to borrow for your business. The slider works in real time so you can see what your loan fee will be as well as your daily repayment amount and total repayment figure.

Based on the amount you wish to borrow, you will also see the minimum monthly gross revenue your business will need to achieve in order to qualify for this loan amount.

What is this?

Please state your full name (including any middle names) as it appears on your birth certificate. We use this information to double-check that you are a director or partner of the company making the loan application. This will also allow us to reference your personal credit file with credit references agencies. Whilst we check this personal credit file it is not a determining factor with respect to being granted a business loan.

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In the next step we'll need to know the registered name of your business

What is this?

Providing us with your company name will help us to correctly identify your business. We check this against records held at Companies House and credit references agencies.

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In the next step we would like your business email address.

What is this?

Please provide us with your business email address. This should be the same business that is applying for a business loan. This will be the primary email address that we will use to contact you with updates on the progress of your application and throughout the life of your loan agreement.

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In the next step we’ll ask you to submit your telephone number so that we can verify your identity.

What is this?

Please provide your business, home or mobile telephone number. If we have approved the loan in principle we will contact you by telephone to ask you some basic personal details to ensure you are the same person that submitted the loan application.

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We’ll ask you for your home postcode to allow us to verify your residential status.

What is this?

By providing us with your home postcode we are able to determine your residential status as a director or partner in the business. This information includes whether you own or rent the property, how long you have resided there and if you are registered on the council’s electoral role. This provides us with more background information. All the information you provide us with will be treated in strict confidence and will not be shared with a third party.

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We’ll ask you to create a password for your Wirefund account.

What is this?

Once you’ve created a secure password we will set up your Wirefund account so that you may login to check the status of your application. The indicator below the entry field will indicate the strength of your chosen password, a strong password is always advisable.

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We will ask you to upload your business bank statements covering the last 12 months of trading.

What is this?

Please upload 12 months of bank statements for the company or partnership that is applying for a business loan. The statements can be in either PDF (available from your online banking application) or scanned format but must be for the primary business account. This will give us an accurate overview of the business’s cash flow and trading style.

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That’s it! Just hit submit and we’ll start processing your application right away. Look out for a confirmation email with more details.

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How much would you like to borrow?

  • £ 5,000
  • £ 12,500
  • £ 20,000
  • £ 30,000
  • £ 40,000
  • £ 50,000
Loan Fee 19% £1,500
Total To Repay £9,500

What is your full name?


Nice to meet you! Please tell us your company name.


Thank you! Please provide your e-mail so we can get in touch


Can you provide us with your phone number?


What is your home postcode?


Please set up a password for your Wirefund account

Thank you for your application!

We will get back to you with a decision on your loan application within 24 hours!
If we need any more information, we will get in touch with you.

Next Step

Frequently Asked Questions

Want to know more about the process or any other aspect of our business loans?

Hopefully you’ll find the answer below, if not please get in touch here

What products do you offer?

We offer short-term loans for any type of small business.

What are your loan amounts and repayment terms?

You can apply for a loan for up to £25,000. All loans are subject to a fixed 12 month repayment period.

How does the application process work?

Our application process is online and consists of 7 simple questions that allow us to gather information from various credit agencies and online databases.

What information do I need to make my application?

Typically, we only require basic information about yourself and your business and also a copy of 12 months of business bank statements.

How do I qualify for a Wirefund business loan?

Successful applications will need to meet the following criteria: 1. Your business must have been trading for at least 12 months. 2. Your business must be a limited liability company (LTD). 3. You will have to be able to afford the loan and pass our loan approval process.

If my application is approved, how long will I have to wait for the funds?

Whilst the application process takes only a few minutes, the decision process for granting a loan typically takes 3-5 days. Funds will be transferred to your primary business account within 24 hours of our receipt of your signed loan agreement documents.

How does repayment work?

Many small British businesses trade in sectors that mean they receive daily payments for goods or services. To improve the flow of those types of businesses we automatically deduct smaller, agreed payments, on a daily basis by direct debit from your business bank card. These small payments mean your cash flow is easier to manage and may help to alleviate the stress and anxiety often related to larger monthly payments.

Is this an unsecured loan?

Yes, we are currently the only lenders that don't require a personal guarantee, an industry first in the UK!

What are your rates and fees?

Unlike many others, we don’t charge interest on the loan. Instead we add a flat fee of 19% of the initial loan amount for a 12-month loan.

How does the application process work?

Please see How it Works. You will be asked a series of questions about yourself and your business. Credit checks will be carried out on the directors of the company applying for the loan to give us current and accurate information and to ensure we are lending responsibly. Whilst we check personal credit files it is not a determining factor with respect to being granted a business loan. Our searches are classed as a ‘soft search’ and as such will not affect your credit report.

What happens if I miss a payment?

If you miss one payment we will add this to the next days payment. If more than one days payment is missed, we will contact you to discuss the issue and help you to resolve any problems as quickly as we can to get you back on track. Your business’ credit file may be negatively affected if you continue to miss payments.

Can I repay my loan early?

Absolutely, and unlike many other lenders, we won’t penalise you. In fact, we will compensate you for the unused loan period. Just Get in Touch, and we'll contact you to make the arrangements.