Short-Term Loans – fast financial support when your Business needs it most
- Bridge Cash Flow
- Unexpected Bills
- Pay Wages
- Urgent Repairs
- Tax Demands
- Growth Opportunities
- Vital Tech Replacement
- Stock Purchases
Simple Steps to Funding
01
Apply
It only takes a minute to get started. Fill in our simple form to check your eligibility.
02
Approval
A BEAR Finance expert will call you within 1 working hour to understand your business' finance requirement.
03
Agreement
We use our expertise and panel of lenders to match you with the perfect solution. Fast, simple and explained in full.
04
Funded
In-funds as fast as 1 hour after first contact. Your BEAR Finance expert will provide ongoing support as your business continues to grow.
When Your Business Can't Wait, We Deliver Fast Funding
Tax payment looming?
Wages due but cash tied up?
Late payments strangling cash-flow?
Perfect stock deal but no cash?
Unexpected costs hitting hard?
Growth opportunity slipping away?
Equipment breakdown threatening operations?
Critical technology failing?
Sourcing Bespoke Finance Solutions
Bespoke
Our approach is bespoke, our dedicated Finance specialists take the time to understand the challenges and goals of your Business.
Efficient
Our enhanced approval success is achieved through relationship strength and precision matching with our panel of lenders.
Accurate
Accurate in our analysis of our clients financial positioning, business modelling and market placement to ensure they are presented to the right lenders for the most successful and suitable result.
Relentless
We are relentless in our pursuit of the best possible outcome for every client, we know that critical business decisions deserve perfect financial partnerships.
Frequently Asked Questions
What is a short-term loan and how can I use it?
Our short-term loans can be used for any legitimate business purpose over terms ranging from 3 to 24 months. This type of finance is ideal for businesses requiring an immediate solution to urgent challenges. With funding typically available within 2 to 48 hours, our loans provide a significantly faster alternative to traditional commercial lending.
How do I apply?
Our initial applications require only soft credit checks through a simple process that needs minimal business information and can be completed in seconds. CLICK HERE TO APPLY.
Am I eligible for a short-term loan?
Any Limited business in the UK can apply for a short-term loan, as long as they have been trading for more than 3 months and has a monthly turnover of £15,000 or more. Simply complete our form to discover if you are eligible.
Can I get a short-term loan with bad credit?
Our panel of lenders typically underwrites based on business turnover and performance rather than personal credit strength. Some lenders even offer unsecured loans without requiring personal guarantees.
Do I need a personal guarantee?
While most of our lenders require a personal guarantee, some offer unsecured loans without this requirement. All short-term loans are unsecured, meaning no security is required against personal assets for loans up to £100,000.
Can I repay my loan early?
Yes, you can settle your loan early, typically without repayment penalties or redemption fees. However, a minority of lenders may apply fees, which will be clearly disclosed upfront. If early settlement is important or you need borrowing for a specific timeframe, inform your BEAR Finance broker who will ensure you receive only suitable products that meet your requirements.
What is the interest rate for a short-term loan?
Short-term loans offer speed and simplicity compared to traditional commercial loans, though interest rates are higher to reflect this convenience.
How much can I borrow and for how long?
As a broker (not a lender), we can secure multiple loan agreements on your behalf, significantly increasing your borrowing capacity. The maximum available through our short-term lending solutions over terms up to 24 months is £2 million.