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Finance by need · In partnership with Funding Circle

Money for the next step.

The second site, the extension, the refit that doubles covers, buying out a partner. Business growth finance as a fixed-rate loan from £10,000 to £750,000 over up to six years.

Check what fits Call 07543 804014
Excellent4.5 out of 5Trustpilot Up to £750,000Fixed monthly repaymentsGovernment-backed loans assessed too
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What fits the next step.

Two products do this job. Which one depends on how long you’ve traded and the term you want.

Usually the answerBusiness loanA fixed-rate loan from £10,000 to £750,000, repaid monthly over up to six years, with no early repayment penalty.From 6.9% per year plus a one-off completion fee → Two years’ trading, longer termsGovernment-backed loanA Growth Guarantee Scheme loan from £25,001 to £250,000 over two years to six years. One application assesses both loans.From 13.4% per year plus a one-off completion fee →

What businesses use it for.

Opening a second siteThe lease deposit, the fit-out and the opening stock.
Refit and extensionMore covers, a bigger kitchen, a counter that works.
Buying out a partnerKeep the business, change the ownership.
Hiring ahead of demandThe staff before the sales, when the sales are coming.

An example.

A café with three years’ trading borrows £120,000 over six years to fit out a second unit, with the deposit for the lease paid from FlexiPay.

Illustration only. Your rate and completion fee are set by Funding Circle on application.

How much can I borrow?

£10,000 to £750,000 on a business loan, or £25,001 to £250,000 under the Growth Guarantee Scheme, set on your accounts and bank statements.

Do I need a business plan?

Funding Circle assesses on accounts and bank statements. A plan helps us advise you on the right product and figure.

How long does it take?

Eligibility in 30 seconds, a decision in as little as five minutes once the application is in, and funds typically within 48 hours of approval.

Can I combine a loan and FlexiPay?

Yes. A loan for the fit-out and FlexiPay for the bills around it is a common pairing. The cashback card isn’t available alongside either.

How it works with Atlas.

Atlas is a Funding Circle partner: we introduce, Funding Circle decides and lends, and we may receive a commission.

  1. 1

    Tell us about the plan

    What you’re building, roughly what it costs, and how long you’ve traded. Ten minutes.

  2. 2

    We point you at the right product

    A business loan, the government-backed loan, or both assessed at once. If neither fits, we say so.

  3. 3

    Check and apply

    Thirty seconds to check, about seven minutes to apply. Funding Circle decides.

  4. 4

    Money lands, Atlas stays

    Funds typically within 48 hours of approval. If the new site needs tills, we fit those too.

Other things people finance.

Tell us about the plan.

Ten minutes and a rough figure. We’ll tell you which loan fits, or that neither does.

Excellent4.5 out of 5Trustpilot
Check what fits07543 804014

Important information. Atlas Payments (Robles Payments Limited, company number 16864953) introduces customers to Funding Circle Ltd, authorised and regulated by the Financial Conduct Authority. Atlas Payments does not lend and does not make lending decisions. All products are subject to status and a full assessment by Funding Circle; limits, rates and fees depend on your business and the product. Available to UK limited companies and LLPs. We may receive a commission from Funding Circle when a product is taken out.

Cashback business credit card: representative 34.9% APR (variable), rates from 14.9%. 2% cashback on eligible spend for the first six months, up to £2,000, then 1% uncapped. Up to 42 days interest free on purchases when the balance is paid in full. The FlexiPay Business Credit Card is issued by Monavate Ltd. Think carefully before borrowing. Repayments must be affordable for your business.

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