Business Finance

Business Loans for Limited Companies

Finance designed for the way limited companies operate. From revenue-based lending to asset-backed facilities, structured to work with your company accounts and trading history.

Limited Company Finance

Finance that works for your company structure

Limited companies have unique borrowing requirements. Lenders assess your company differently to sole traders or partnerships, looking at filed accounts, company credit scores, and director history. We understand these nuances and match you with lenders who specialise in limited company lending.

Whether you need working capital to manage cash flow, funding for growth, or finance for a specific project, we structure the loan around your company's financial position and your directors' personal circumstances.

£5m+

Maximum Facility

5.50%

Rates From

48hrs

Fastest Approval

130+

Specialist Lenders

Lending Options

Structured for limited companies

Company Accounts-Based Lending

Lenders assess your company's filed accounts, trading history, and profitability to determine borrowing capacity. Stronger accounts unlock better rates and higher limits.

Director's Guarantee Options

Some lenders require personal guarantees from directors, while others offer limited or no-guarantee facilities. We match you with the right structure for your risk appetite.

Revenue-Based Finance

Borrow against your company's turnover rather than assets. Ideal for service businesses, consultancies, and tech companies with strong recurring revenue but limited tangible assets.

Asset-Based Lending

Use company assets - property, equipment, vehicles, or stock - as security to access larger facilities at lower rates. Release value locked in your balance sheet.

Tax-Efficient Structures

Interest payments on business loans are typically a deductible business expense. We help you structure borrowing in the most tax-efficient way for your company.

Multi-Director Companies

Complex ownership structures are not a barrier. We work with companies that have multiple directors, shareholders, and holding company arrangements.

The Process

How it works

Company Assessment

Share your company details, recent accounts, and funding requirements. We assess your borrowing capacity and identify the most suitable lender types.

Tailored Search

We search across 130+ lenders for the best terms available to your limited company, factoring in your sector, trading history, and specific needs.

Structured Application

We prepare and submit your application with supporting documentation, presenting your company in the strongest possible light to lenders.

Funding Delivered

Once approved, funds are paid directly to your company account. Unsecured facilities can complete in 24 to 48 hours, secured loans in 5 to 10 days.

Get funding for your limited company

Share your company details and funding requirements. We will identify the best lending options and provide a quote within hours.

Get a Quote Discuss Your Needs

FAQs

Frequently asked questions

What business finance options can Doulton arrange?

Unsecured business loans, secured commercial loans, asset and equipment finance, invoice finance (factoring and discounting), merchant cash advance, revolving credit facilities, commercial mortgages, and working-capital facilities for limited companies, LLPs and sole traders.

How much can my business borrow?

We arrange business funding from £10,000 for simple unsecured facilities, up to £5m+ for secured commercial lending. Asset and invoice finance scale with the underlying asset or debtor book respectively.

How quickly can I access business funding?

Unsecured online business loans and merchant cash advances can fund in 24-72 hours. Asset finance typically completes in 3-10 working days. Larger secured facilities follow a 2-6 week underwriting and legal timeline.

Do I need to be profitable to get a business loan?

Not always. Many alternative lenders underwrite on turnover, card takings, sales ledger or asset value rather than net profit. Early-stage businesses and turnaround situations are often better served by specialist funders than high-street banks.

Will directors need to give personal guarantees?

Personal guarantees are common on unsecured and lightly-secured business lending, usually capped at a percentage of the facility. Secured lending backed by property or specific assets often reduces or removes the PG requirement.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.