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

Wirefund in the Press

Our work with small British businesses gets headlines..


Wirefund Revamping SME Finance Industry

Finance – the bugbear of entrepreneurs and small businesses. Now a new UK startup is promising to offer anyone looking for a business loan a better deal.

Wirefund, the startup in question, was founded by two entrepreneurs frustrated at the challenges they faced in securing a small business loan for a previous venture. The company launched on 11 July, 2016. It bases its business model on offering fixed term, fixed rate business loans that do not require a personal guarantee and are repaid in daily increments..

Full Article

SMEs offer their verdict on the Autumn Statement

From boosts for rural SMEs to worries for one-man-bands, SMEs and commentators share their thoughts on Philip Hammond’s Autumn Statement.

“Philip Hammond overlooked a section of the 'just about managings' (JAMs) that are crucial to Britain's future success – the small and medium-sized businesses that are just about managing. “He already stated that the UK faces ‘unprecedented uncertainty’ with Brexit, so the Government needed to put proactive, bespoke plans in place to support SMEs..

Full Article

Small firm owners ‘risking it all’ with lack of understanding around loan guarantees

Small business owners are putting their homes and savings at risk because they don't understand personal guarantees they sign with high street banks.

An investigation of small and medium-sized enterprises’ understanding of loan conditions, specifically personal guarantees, has found 55 per cent of them do not understand the guarantees – despite the fact that they are attached to all high street bank SME loans.

Full Article

Autumn Statement 2016: 10 key policies for SMEs

In his first - and last - Autumn Statement, Philip Hammond today revealed his plans to keep "Britain open for business". Here are the essential policy announcements for business owners.

“Britain is open for business […] and will remain the destination to do business” – These were the words from the chancellor of the exchequer, Philip Hammond, in today’s Autumn Statement reveal.While there was a shock announcement from Hammond that the government will be scrapping the Autumn..

Full Article
Fbt logo

Why Small Business Can’t Bank on Traditional Finance

Small business is the wind within the sails of the British economy. From hairdressers to haberdashers, each bagel and bouquet fuels the flames and keeps the UK afloat.

But, we have now entered choppy waters. Britain’s decision to exit the EU and the resulting Government reshuffle has cast a shadow of doubt across the UK’s small business community. The fall in Sterling, while attractive to global exporters based in Britain, is piling on the pressure and uncertainty is the order of the day..

Full Article
Afn logo

A New Player Has Emerged...

New business lending platform Wirefund launches today, touting what it perceives to be a simpler and smoother funding solution for cash flow quandaries.

The company will lend between £1k and £25k to small businesses at a fixed rate of 24%, to be repaid in daily instalments. Wirefund sees its daily repayment structure and the ability to offer interest rate certainty as key strategic advantages. The platform will not require businesses to provide personal guarantees or indeed any kind of security against loans..

Full Article

In UK, SME Owners Can Lose The Store … And Everything Else

The old saying goes that you should never apply for a loan when you need it. But the fact remains that lending is the lifeblood — and, at times, a lifesaver — for small and mid-sized businesses.

But in the U.K., many business owners are not as aware as they should be when it comes to signing on for a loan — at least in terms of what’s at stake. A recent study by U.K.-based SME lender Wirefund found that, across a survey of 510 business owners spanning several verticals, 55 percent of respondents said they were not sure just what a “personal loan guarantee” entailed. And 21 percent said that they believed the loans mandated that they pay “to the best of their ability.”

Full Article