For incorporated businesses
Limited Company Loans
Limited company loans are business loans made to a company registered at Companies House, rather than to an individual. The company is the borrower, though most lenders also ask directors for a personal guarantee, especially on unsecured lending.
Funding Plus compares loans and facilities for limited companies and LLPs, from quick unsecured loans to large secured and government-backed facilities.
- The company is the borrower
- Access to the widest range of lenders
- From £10,000 to £5m+
Reviewed by the Funding Plus team · Last updated October 2026
Step 1 of 3 · Limited Company Loans
How much do you need?
Takes about a minute. No impact on your credit score.
Limited Company Loans at a Glance
- Amounts
- £10k – £5m+
- Terms
- 3 months – 25 years
- Decision
- Same day – 6 weeks
- Security
- Optional
- Best for
- Ltd companies and LLPs
Typical figures across the market. Your offers depend on your business, the lender and the security available.
How Limited Company Loans Work
- 1Share your company detailsCompany number, what you need and your latest figures.
- 2Lenders check Companies HouseFiled accounts, directors and any charges registered against the company.
- 3Compare offersSee rates, terms, fees and any guarantee each lender needs.
- 4Board approval and fundingDirectors sign for the company and the funds are paid to the company account.
How Much Do Limited Company Loans Cost?
Limited companies with filed accounts and a few years' trading have access to the most lenders, which keeps prices competitive. Security and strong profits bring rates down further.
- Interest, fixed or variable
- Arrangement fees
- Personal guarantees from directors on most unsecured loans
- Legal fees on secured or larger facilities
Worked example
Borrowing £75,000 over 4 years
- Loan amount
- £75,000
- Interest rate
- 11% a year
- Monthly repayment
- £1,938.41
- Total interest
- £18,044
- Total repayable
- £93,044
Illustrative only, not a quote. Assumes a fixed rate and no fees.
Who Can Get Limited Company Loans?
- A UK-registered limited company or LLP
- Accounts filed on time at Companies House
- Usually 1 to 2 years' trading
- Affordability shown in accounts and bank statements
- Directors with acceptable personal credit
What You'll Need to Apply
- Filed accounts and current management accounts
- Business bank statements
- Director ID and addresses
- Details of any existing borrowing or charges
Pros and Cons of Limited Company Loans
Advantages
- Widest choice of lenders and products
- The company, not you, is the borrower
- Larger amounts than sole traders can usually get
- Interest is usually a deductible expense
Things to watch
- Personal guarantees reduce the protection of limited liability
- Late filing at Companies House hurts your chances
- Lenders register charges over company assets
- Most lending to companies isn't FCA-regulated
Popular Options for Limited Companies
Limited Company Loans vs Other Options
| Option | Best for | Typical speed | Security |
|---|---|---|---|
| Limited company loan | Incorporated businesses | Days to weeks | Optional |
| Sole trader loan | Self-employed people | 1 – 7 days | Usually none |
| Secured business loan | Large amounts at lower rates | 2 – 6 weeks | Property |
| Asset finance | Equipment purchases | 2 – 10 days | The asset |
Who Uses Limited Company Loans?
Most growing businesses borrow as limited companies.
Customer story
“[Real customer story for Limited Company Loans: what they needed, how quickly it was arranged and what it let them do.]”
[Name], [Role], [Business name] · [Amount] limited company loan
Limited Company Loans FAQs
Do directors have to give a personal guarantee?
For most unsecured company loans, yes. Some secured and government-backed facilities need smaller guarantees or none.
Does the loan show on my personal credit file?
The loan is in the company's name, but a personal guarantee and the lender's checks on directors may appear on your file.
What if our accounts are late?
Late or overdue filings at Companies House make lenders cautious. Get them up to date before applying.
Can a new limited company borrow?
Yes, but with fewer options. Lenders will rely more on directors' personal credit and a business plan.
Are company loans regulated?
Most lending to limited companies isn't regulated by the FCA, so read agreements carefully and ask us anything you're unsure about.
Related Guides
Compare limited company loan quotes today
One quick enquiry, offers from UK lenders that fit, and a real person to talk you through them.