
Get things moving with a Start-Up Loan.
Loans designed to give your new business a head start.

Take your first steps with the right financial support.
If you’re getting ready to start trading or are in your first few years of business and looking to grow, the funding and support of a start-up loan could be the boost you need to make things happen.
Designed for new businesses who are yet to start trading, or young businesses that are in need of financial support to grow, start-up loans could be a valuable tool at a point in your journey when other finance solutions might be harder to secure.
Favourable finance for start-up and new businesses.
Start-up loans come with a host of great benefits:
Borrow between £500 and £25,000
No assets or guarantors needed
Fixed interest rate of 6%
Repayment term of 1-5 years
Optional business mentoring and support including
The option to access your funds in stages
No application fees or early repayment fees
Eligibility Criteria
Must live in the UK
Be aged 18 or over
Have a business that’s been trading for less than 36 months - or plan to launch one
As this is an unsecured personal loan, you’ll need to pass a credit check. Eligibility criteria will vary by lender also.

Extra support from a team who cares.
When you’re in the early days of your business, searching for finance could feel like an extra pressure you don’t need. When you partner with Key, you get support from a team with the knowledge, experience and passion to make sure securing finance isn’t an added stress.
We’ve developed a process that streamlines the journey to securing your funds and allows us to do most of the hard work for you, meaning you won’t have to bear the burden.
Business Loan FAQs
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Start-up loans are a personal loan, repayable over a specified period of time. As a personal loan the loan is taken out in your name, rather than your business’.
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Start-up loans are suitable for businesses that are yet to start trading or who have been trading for less than 3 years. Some businesses are excluded from government backed start up loans, such as those dealing in property development, gambling, or banking services.
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How much you can borrow will depend on a number of factors, including your business plan, your current financial situation and your previous business experience. Loans range from £500 to £25,000 per person, up to a maximum of £100, 000 per business.
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When you apply for the start-up loan, your business plan must include details of how you plan to spend the funds you receive. Please note that the funds are for business purposes, and not to be used for personal expenses.
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A bad credit rating does not mean you will be ineligible for a start-up loan, but it will be taken into consideration along with your business plan, cash flow forecasts and proposal for repayment of the loan.

Not Sure a Start-up Loan is Right For You?
If a start-up loan doesn’t feel like the right fit, why not explore some of the other financial solutions we can help with.
Request a Callback
Need more information or have a question? Our team is here to help. Simply fill in your details, and one of our experts will give you a call at a time that suits you.