Stock for your next busy spell
A retailer planning a seasonal order, or a wholesaler preparing for a new contract.
BUSINESS LOANS, WITH ALIGNED FINANCE
A little funding.
A lot of possibility.
Stock to buy? A busy season ahead? Explore a business loan with a broker who can talk through your plans, costs and repayment options.
An introduction to a broker. A clearer place to start.
Let’s start with your business.
How much funding do you have in mind?
We’ll take it from there.
Your next step starts here
One question at a time.
Question 1 of 6Let’s start simple
For UK businesses
An introduction to our broker network
No obligation to borrow
BUSINESS LOANS, EXPLAINED
A business loan starts with your plans.
Business loans can provide funding for an agreed purpose, repaid over an agreed term. The amount, cost and repayment schedule depend on the lender and your business.
Space to manage everyday costs
A business looking to bridge a gap between money going out and income coming in.
Your next stage of growth
A team planning to hire, expand its premises or invest in a new opportunity.
Illustrative situations, not customer stories or offers of finance.
COULD THIS FIT YOUR BUSINESS?
A little context
goes a long way.
A broker will usually want to understand your trading history, turnover, business type and reason for borrowing. Different lenders have different criteria, so there isn’t one minimum that applies to every enquiry.
What will I repay?
Ask about the repayment schedule, total amount repayable, interest and any fees—not just the headline rate.
Secured or unsecured?
Secured borrowing uses an asset as security. An unsecured loan can still require a personal guarantee.
What if plans change?
Ask about early repayment terms and what happens if you have difficulty making repayments.
FROM YOUR PLANS TO A CONVERSATION
Big plans start
with a conversation.
Start with what you know.
Talk through the rest with a broker.
01 / YOU
Tell us what you need
Share a rough amount, your plans and a little about your business. You won’t need to upload accounts or bank statements for this introduction.
02 / ALIGNED FINANCE
We make the introduction
Your answers give a broker in our UK network a useful starting point. The next step is a conversation about your circumstances.
03 / YOUR BROKER
Explore the options together
Ask about costs, repayments and any security required. If you decide to apply, a lender assesses the application. There’s no obligation to borrow.
IT’S GOOD TO ASK
Good questions.
Clearer answers.
Can a newer business enquire?
You can explore an enquiry here. Trading history affects the available options, and some lenders require an established track record. An enquiry is not confirmation of eligibility.
Is this a loan application?
No. Aligned Finance makes an introduction to a broker. Any application, assessment and lending decision take place later.
Can I get a rate before speaking to someone?
A broker needs to understand your circumstances to discuss any available options and their costs.
Is Aligned Finance a lender?
No. Aligned Finance introduces UK businesses to brokers in our network. Brokers discuss options with you; lending decisions are made by lenders.
Can my business enquire?
This journey is designed for UK businesses. Trading history, turnover, business type and the funding need can all affect the options available. Starting an enquiry does not confirm eligibility.
What happens after an enquiry?
An introduction starts a conversation about your needs and any further information a broker would need to explore your options.
Will there be a credit check?
If you go on to apply for finance, ask your broker what checks the lender will make and whether they could affect your credit record.
Are there fees?
Fees and borrowing costs depend on the broker, lender and finance product. Ask for a clear explanation of any charges before proceeding.
Could I need security or a personal guarantee?
Some finance arrangements require security or a personal guarantee, including some unsecured business loans. Your broker should explain what is required and what it means before you decide.
What should I have ready?
A rough funding amount, your reason for funding and some basic business information are enough to explore this introduction. A broker or lender may request accounts, bank statements or other documents later.