Up to £50,000 to start & grow your business.
Traditional banks make life hard for new businesses. Loans4u Limited offers Business Startup Loans up to £50,000 through trusted funding and card terminal partners — built around your real trading, not perfect paperwork.
£1,100 per £10,000 funded
No hidden charges. No surprise fees. Clear costs upfront.
Built for startups — simple & transparent.
Card Terminal Setup
Once approved, we arrange a new card terminal from our trusted partners so you can start taking payments immediately.
Use the Terminal for 3 Weeks
Trade actively for a minimum of 3 weeks. This builds the transaction data we use to qualify your loan.
Loan Reviewed on Activity
After 3 weeks, your card transaction performance is reviewed by our funding partners — not your credit history.
Receive Up to £50,000
Once approved, your loan is transferred straight into your business bank account, ready to use.
This model lets new businesses qualify on real trading data — not just paperwork.
Why founders choose us.
Up to £50,000 Funding
Real capital to cover stock, rent, marketing, equipment or staff.
No Good Credit Required
Approval isn't based solely on credit — perfect for new entrepreneurs.
No High Sales Needed
Qualify without long trading history or huge revenue records.
No Personal Guarantor
No need to pledge personal assets or find a guarantor.
Minimal Documentation
A simple application — no heavy financial paperwork.
Fast & Simple Process
Quick terminal setup, then funding follows your trading activity.
Funding + Payments in One
Get your card terminal and your business loan from one trusted source.
Flexible Use of Funds
Spend it on stock, rent, marketing, equipment, staff or expansion.
Built for ambitious UK businesses.
If your business accepts card payments, this funding model can help you start and grow.
Banks vs Loans4u Limited.
Traditional Bank Loans
- Strong credit score required
- Long business history needed
- Personal guarantor or assets often required
- Heavy paperwork & financial statements
- Approval times of weeks or months
- Fixed monthly repayments regardless of sales
- No support with card terminals
Loans4u Limited Startup Loan
- No good credit score required
- No long trading history needed
- No personal guarantor required
- Card terminal acts as performance guarantor
- Minimal documents & simple application
- Faster approval process
- Funding based on real card transactions
- Card terminal setup included
Instead of personal guarantees, we use your card terminal usage and transaction performance — so your business activity supports your funding, not your personal assets.
Your card terminal is your guarantor.
With Loans4u Limited, your card terminal and transaction data act as a business performance guarantee. Active trading proves your business — and unlocks your funding.
- Reduces risk for funding partners
- Removes the need for personal guarantors
- Makes funding accessible to startups
Your business performance becomes your strongest asset.
Illustrative example only. Final amount and terms are set by our funding partner.
Launch your business with real backing.
Send us your details and a UK funding specialist will call you within 1 business hour to walk you through your Startup Loan options.