Kredzo Fund: Smart Funding for UK Businesses
The UK’s fastest way to fuel your business growth.
Whether you need flexible cash for daily operations or a quick injection to bridge a cash flow gap, Kredzo Fund provides straightforward, tailored business loans designed for speed, simplicity and clarity.
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
Why Choose Kredzo Fund?
Accessing finance should be the easiest part of running your business. Kredzo Fund is built around three core pillars that reflect how modern UK businesses actually operate:
- Speed: Decisions in as little as 1 hour, with funds typically transferred within 48 hours (or 24 hours for selected short-term products).
- Simplicity: A fully digital, ~7-minute application with fixed, transparent rates and no hidden fees for early repayment.
- Tailored Solutions: From urgent cash flow gaps to long-term growth investments, we match you with the most suitable funding product for your business.
- Our aim is to combine lender-grade underwriting with a modern, straightforward customer experience – so you always know where you stand.
Our Funding Solutions: Built for Your Needs
Kredzo Fund offers two core products, designed to cover the full spectrum of SME financing needs – from immediate cash flow support to longer-term strategic growth.
Working Capital Loans
The ideal solution for strategic growth, larger investments and covering significant operational spend.
- Best for: Purchasing inventory at scale, fulfilling major contracts, or financing long-term expansion plans.
- Borrow: £5,000 to £500,000
- Terms: Up to 5 years (60 months)
- Repayments: Fixed monthly repayments for predictable cash flow
Short-Term Business Loans
A rapid finance option for immediate, time-sensitive cash flow requirements and urgent opportunities.
- Best for: Bridging gaps between large invoices, covering unexpected repairs, or securing limited-time supplier discounts.
- Borrow: £3,000 to £100,000
- Terms: Short terms from 6 to 18 months
- Speed: Funds often available in under 24 hours
Funding Your Success: Trust and Reliability
Proven Track Record
- £XXX million lent: We have helped thousands of UK businesses access the finance they need to grow, stabilise and invest.
- 5-star rated: Consistently rated highly by our customers for our speed, transparency and service.
A Partner, Not Just a Lender
Every business is different. Whether you’re an ambitious start-up, a growing SME or an established firm, Kredzo Fund is designed to move at your pace — without unnecessary complexity.
From your first eligibility check through to payout and ongoing support, our team and technology work together to keep the process clear, fast and stress-free.