Startup loans

Finance designed for businesses that are just starting

No trading history? That doesn't mean no funding. From the government-backed Start Up Loans scheme to startup-friendly lenders, there's early-stage finance built for day one.

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What startup finance can cover

  • Equipment, tools and initial stock
  • Premises deposits and fit-out
  • Marketing and launch costs
  • Working capital for the first months of trading

Routes for new businesses

  • Government-backed Start Up Loans — personal loans for business use, fixed rate, with free mentoring
  • Startup-friendly alternative lenders
  • Asset finance for equipment from day one
  • Grants aimed at new and young businesses
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Your Found Funding profile is matched against Swoop's network of high street banks, alternative lenders and grant providers — over 1,000 funding sources in one search.

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300,000+businesses helped worldwide
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Common questions

Can I get funding with no trading history?

Yes — the government-backed Start Up Loans scheme is designed exactly for this, and several lenders assess your plan and projections rather than past accounts.

How much can a new business borrow?

Start Up Loans run from £500 to £25,000 per director (up to £100,000 per business). Other routes depend on your plan, projections and any security.

Does applying hurt my credit score?

Checking your options with us doesn't involve a credit check. A full application with a lender may do — we'll tell you before that happens.

Get your new business off the blocks

It takes a few minutes to see what your business is eligible for. Free, impartial, no pressure.

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