Short-Term Business Loans with Kredzo Fund: Quick Cash Flow Injection
When time is critical, a Kredzo Fund Short-Term Business Loan delivers a rapid, targeted cash flow injection to cover urgent expenses, seize limited-time opportunities, or bridge temporary gaps.
Key Features of a Kredzo Short-Term Loan
Designed for immediate needs, our short-term loans offer maximum speed and transparency.
- Loan Amount: £3,000 to £100,000
- Loan Term: Flexible terms from 6 to 18 months
- Fixed Repayments: Simple, fixed monthly repayments (know your costs upfront)
- Decision Time: Quick decision in as little as 1 hour
- Funding Time: Funds typically paid out within 24 hours of acceptance
- Application Fee: No upfront application fee for direct applicants
What Makes a Short-Term Loan Right For You?
A short-term loan is the ideal solution for immediate, high-priority business needs that require a quick turnaround.
- Urgent Purchase – Quickly secure a batch of discounted raw materials before the supplier offer expires.
- Machinery Repair – Cover the immediate cost of unexpected equipment breakdown to minimise downtime.
- Invoice Gap – Bridge the 30-day (or longer) delay while you wait for a large client invoice to be paid, so rent and payroll stay on track.
- Seasonal Stock – Rapidly purchase high-demand stock for a critical seasonal rush (e.g. Christmas, summer).
How to apply for a business loan
It’s quick and easy to apply for small business finance online and our support team is on hand if you have any questions.
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1. Check if you’re eligible in 30 seconds
See if you qualify with no fuss -
2. Apply online in 7 minutes
Tell us about you and your business in our online form -
3. Get your decision in as little as 1 hour
If approved, you’ll get a personalised, no-obligation quote -
4. Funds paid out typically within 48 hours
Once you accept your offer, we’ll deposit the funds into your account
Frequently Asked Questions (FAQ)
How is a short-term loan different from a working capital loan? +
While both can help fund day-to-day operations, a short-term loan typically has a smaller loan amount and a shorter repayment period (usually under 2 years), making it ideal for immediate, smaller and time-sensitive cash flow needs. Our standard Working Capital Loan offers higher amounts and longer terms.
What are the basic eligibility criteria? +
To apply for our Short-Term Business Loan, your UK-registered business will generally need to have been trading for at least 6 months and generate a minimum monthly turnover. The exact turnover figure is confirmed during the initial eligibility check.
Can I repay the loan early? +
Yes. You can settle the loan in full at any point during the term. Kredzo Fund does not charge any early repayment or hidden settlement fees.
How is the interest calculated? +
Our loans carry a fixed annual interest rate. This rate is used to calculate your total interest over the life of the loan, which is then divided into equal, fixed monthly repayments. From day one, you know the exact cost of borrowing and your monthly payment amount.