FAQ

Many business loans offer flexible repayment terms, allowing you to choose schedules that match your cash flow — such as weekly, monthly, or seasonal payments.

Yes. Even newer businesses may qualify depending on revenue, industry, and overall financial stability. Some lenders offer options designed for start-ups or young companies.

Most applications only require basic business details, recent bank statements, and proof of identity. Additional documents may be required depending on the loan amount or business type.

No. Initial eligibility checks do not impact your credit score.

Many approvals and fund releases can happen quickly once your application is completed.

Funding amounts depend on your business profile, affordability, and funding needs.

A working capital loan helps fund day-to-day business operations such as payroll, inventory, bills, and short-term expenses rather than long-term assets.

Typically, you must be a UK-registered business, trading for at least one year, and meet minimum turnover requirements confirmed during the eligibility check.

No. The initial eligibility check uses a soft search and does not impact your business credit score. A full credit search is only done if you accept an offer.

No. You can repay your loan early at any time with no early settlement or hidden fees.

Short-term loans usually have smaller amounts and shorter repayment periods (typically under 2 years), making them ideal for immediate cash needs. Working capital loans offer higher amounts and longer terms.

For short-term business loans, your UK-registered business typically needs at least 6 months of trading history and a minimum monthly turnover.

Kredzo Fund loans use a fixed annual interest rate. The total interest is calculated upfront and split into equal, fixed monthly repayments so you always know the full cost.

Kredzo Fund allows full early settlement at any time with no fees, helping you save on interest if you repay early.