Startup Loans

Turn your business idea into reality with tailored startup finance

What Is a Startup Loan?

A startup loan is a type of business funding designed specifically to help new and early-stage businesses get off the ground. Unlike traditional business loans, startup loans are available to entrepreneurs who may have limited trading history, no assets, or are pre-revenue.

These loans can be used to cover the cost of launching and growing your business, including:

  • Product development and stock purchases

  • Marketing and branding

  • Website design and tech setup

  • Hiring staff or securing premises

  • Equipment and vehicle costs

  • Working capital for early cash flow support

At The Funding Group, we help UK startups secure the funding they need to succeed — with access to a panel of lenders who understand early-stage business needs.

Types of Startup Finance

We offer a range of startup funding options based on your goals, sector, and current stage of development:

Government-Backed Startup Loans

  • Fixed-term unsecured loans up to £25,000 per founder

  • Includes free business support and mentoring

  • Ideal for pre-launch or early-stage businesses

Unsecured Business Loans

  • Loans based on creditworthiness and projected revenues

  • Flexible terms and repayment options

  • No need for property or assets

Startup Grants & Match Funding (Referral Support)

  • We can direct you to relevant regional or sector-specific grant schemes

  • Combine with loans to maximise funding

Crowdfunding & Investor-Backed Finance (Support Available)

  • Leverage community or angel investor funding

  • Guidance available through our funding partners

Typical Terms & Key Features

  • Loan Amounts: £1,000 to £250,000+ (up to £25,000 per director via startup loans scheme)

  • Terms: 1 to 5 years

  • Interest Rates: Typically fixed, competitive for startups

  • Security: Often unsecured — no collateral required

  • Eligibility: UK residents aged 18+, with a viable business plan

  • Speed: Decisions typically within 3–5 working days

You don’t need years of trading history or perfect credit — if your business plan is solid, funding is possible.

Who Can Use a Startup Loan?

Startup loans are available to:

  • Entrepreneurs launching a new business

  • Early-stage businesses trading under 3 years

  • First-time founders and sole traders

  • Limited companies with no trading history

  • Businesses from all sectors, including tech, retail, food, and creative industries

We work with a wide network of lenders and schemes, increasing your chances of approval.

Benefits of Startup Loans

  • Access funding before you're trading

  • No property or assets required

  • Fixed interest and manageable repayments

  • Support with business planning & strategy

  • Maintain full control — no equity required

  • Boost your credibility with early-stage finance

  • Combine with grants or other finance products as you grow

Startup loans can be the crucial first step in turning your vision into a viable, profitable business.

Ready to Launch Your Business?

If you have a business idea or startup in the early stages, The Funding Group can help you access the right funding and guidance to move forward confidently.

Speak to one of our advisors today to check your eligibility and receive a free, no-obligation quote.