Business Expansion Loans

Scale up your operations and expand your customer base with a business expansion loan.

Borrow from

£10,000

to £5m.
Get a FREE quote today.

£0 Deposit
Rates from as Low as

7%
Commercial Bridging Loans Available

Apply Now

Invest in Your Business Growth & Increase Revenue Via Tailored Expansion Finance

As an experienced commercial finance broker who has been supporting UK companies for over a decade, we understand that the decision to expand your business is one which is both exciting and potentially intimidating due to the extra financial commitments it often creates.

Our business expansion finance is designed to help companies of all sizes access their next phase of development in an affordable and manageable way.

Whether you’re scaling up operations, acquiring new premises, entering new markets, or acquiring another business, we can help.

Our team of experienced finance brokers have access to over 100+ lenders, allowing us to find the most competitive rates, flexible repayment terms, and lending packages that suit your ambitions. Our knowledgeable team will guide you through every step, ensuring you secure the funds you need quickly and efficiently.

Benefits of Business Expansion

Businesses looking to expand could enjoy a range of strategic advantages, including:

Accelerated Growth:
Open new locations or scale operations faster to capture demand before competitors.
Increased Market Share:
Boost capacity and efficiency to win a larger slice of your industry.
Higher Valuation:
Enhanced assets, technology and locations translate into stronger balance sheets and more attractive exit options.
Stronger Relationships:
Greater scale lets you negotiate better terms with suppliers and improve customer loyalty.
Enhanced Brand Awareness:
Additional outlets and targeted marketing raise your profile and attract new audiences.
Preferential Supplier Rates:
Higher purchase volumes often unlock discounts and better contract terms.
Diversification & Risk Mitigation:
Enter new markets or service lines, through acquisitions or extensions, to spread revenue risk.

Advantages of Business Expansion Finance

Business expansion loans provide companies with several benefits, such as:

By spreading the cost of investment over time, you can fund major purchases or projects without depleting your working capital, keeping day-to-day operations running smoothly.
Interest payments and certain capital allowances on qualifying assets can be offset against taxable profits, effectively lowering your overall corporation tax liability.
Unlike bringing in new shareholders or issuing extra shares, debt-based finance lets you retain full ownership and control of your business.
Options like merchant cash advances can deliver funds in days rather than weeks, helping you seize time-sensitive opportunities.
As your needs evolve, you can top up facilities or refinance existing borrowings, ensuring your funding keeps pace with your growth trajectory.

Determining Your Needs Before Getting Started

Before you reach out about a business growth loan, it’s worth taking a moment to consider the following questions:

What are you looking to fund?
How much are you looking to borrow?
What security can you offer?
What loan term suits you best?
What extra costs will expansion add to your business?
What’s your exit or repayment strategy?

By having a well-informed answer to these questions, your application will be stronger, helping our brokers find the most suitable expansion finance for your needs.

Our Business Growth Financing Options

Acquisition Finance

Acquisition finance provides tailored funding to help you purchase another business, merge with a competitor, or buy out a partner, allowing you to accelerate growth through strategic consolidation.

Explore Acquisition Loans

Commercial Bridging Loans

Bridging loans offer short‑term funds to “bridge” the gap between purchase and longer‑term funding, making them ideal for swift property acquisitions or urgent working capital needs. Our bridging loans are typically arranged in 4 to 6 weeks and are usually repaid in a timeframe of 3 to 18 months. You can borrow from as little as £25,000 to over £10m.

Explore Commercial Bridging Loans

Merchant Cash Advance

A merchant cash advance (MCA) provides funding based on your future debit or credit card sales, with repayments taken as a percentage of daily takings (usually around 10%). This option is ideal for those with strong card revenue, such as retail or hospitality, who need quick access to cash for expansion.

Explore Merchant Cash Advance

Asset Finance

Asset finance enables you to fund essential equipment, machinery, vehicles, or technology through Hire Purchase (HP), lease financing, or refinancing arrangements, preserving your working capital. By matching repayments to the useful life of the asset, you ensure predictable budgeting and can often benefit from tax efficiencies.

Explore Asset Finance

Business Loans

Traditional business loans provide a lump sum of capital repayable over a fixed term, perfect for general expansion purposes like increasing necessary staff, boosting marketing spend, or topping up inventory. With both secured and unsecured options available, you can choose the facility that best aligns with your risk profile and growth timeline.

Explore Business Loans

How it works

Consulting

Let’s talk about where your business is, and where you want it to be.

Pre-underwriting

Send us your supporting financials for us to review, and we’ll get a proposal sent for credit approval.

Paid out

72 hours later, once approved, and signed on the dotted line, funds will be released.

Getting started is simple: just click the link below to submit your details, or call us on 01788 892 002.
One of our specialist account managers will be in touch to guide you through the process and help you maximise the benefits of your business expansion loan.

Get Started

Eligibility Requirements

To access our business expansion loans, we typically look for the following:

At least Two Years Trading History From An Established Company
Profitable Accounts
Homeowner or Tenant
Good Business / Personal Credit / Good Delphi Score
No Default Payments

Should you fulfil the above, we are confident we can take your business to the next level.

Why Union Business Finance?

At Union Business Finance, we appreciate the specific hurdles businesses encounter when pursuing expansion, regardless of whether you run a petrol station, haulage operation, or retail outlet. That’s why our business expansion loans are crafted to support your growth plans, from upgrading your facilities to diversifying into new revenue streams.

With transparent terms, competitive rates and a dedicated account manager by your side, we’ll build a long‑term partnership that helps you unlock every opportunity for expansion.

We offer:

Access to a portfolio of funding options from 100+ lenders
More than 10 years of experience
Loans from

£10,000

to over

£5m.
5* service every time
Interest rates from as low as

7%

Our Service Is Always:

Transparent - Understanding your business's values & providing you with the knowledge you need to make the right decision for you.
Ethical - We always have the client's best interests in mind.
Personable - We focus on building relationships with our clients that are reliable & honest.

Our team brings a wide range of experience, thorough knowledge & understanding of the financial climate in order to help you find the best funding solutions.

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FAQs

How long does it take to get a decision?

This depends on the type of business expansion loan that you choose and the amount required. We can fast-track finance applications if necessary so speak with one of our brokers without delay on 01442 617 799 and we will detail which options are available and corresponding timeframes.

What loan repayment periods are available?

Depending on the loan provider, business expansion loans are typically offer repayment terms of 1 to 5 years.

How will the finance solution suit my expansion plan?

We’ll partner you with one of our experienced brokers to find the most suitable funding for your expansion plan. For example:

Business bridging loans are ideal for purchasing new commercial properties.
Acquisition finance is often suggested to those looking to acquire an existing business.
Asset finance is preferred for those looking to increase their business equipment.
Business loans are commonly used for those looking to fund marketing efforts, for example.

What credit checks will the lender perform?

When you apply for a business expansion loan the lender(s) will carry out a light credit check to determine factors like whether you have any outstanding debt or a history of default payments.

Your suitability for our finance solutions isn’t based solely on your credit score, although a lower score may lead to less favourable terms.

What documents do I need for a business expansion loan?

As part of your application for business expansion funding, we’ll commonly ask for:

Business Plan: Outline your business and how the loan will be used.
Financial Statements: Income statements, balance sheets, and cash flow statements.
Tax Returns: Personal and business tax returns for the past few years.
Bank Statements: Recent bank statements.
Legal Documents: Business licences, registrations, and ownership agreements.

Will I need to pay a deposit?

This depends on how strong your application is. However, the majority of the lenders we work with don’t require a deposit.

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Disclaimer

Aintu Ltd (Registered Company Number: 12139002. VAT Number: GB385130404) T/A Union Business Finance is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Aintu Ltd will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay. Aintu Ltd is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035. ICO Registration Number: ZA541243 Aintu Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below:

https://www.afsuk.com/asset-finance-solutions/contact/complaints-procedure/