Streamlined small business loans, the smarter way

Apply now for between £5,000 and £50,000 in funding for your business. Scale up your stock, expand your team, or build a cash buffer: the sky’s the limit.

Empowering small businesses with superior loan options

There are dozens of reasons your business might need to borrow £5k-£50k. Whatever your need, accessing funds shouldn’t be a long and laborious process.

Unlike traditional banks, we don’t apply rigid criteria or keep you waiting for weeks for your small business loan. We strive to make quick decisions, and provide quick access to funding. No waiting, no intrusive credit checks, no hassle.

Whether it’s the lingering economic uncertainty, challenges funding your growth, or you just need enough to cover a brief shortfall, Sigma Lending is here to help.

Why Sigma Lending?

Freedom in funding

Scaling up your stock? Growing your workforce? Funding can be used to meet any need.

Quick access to cash

Get a cash flow loan for your small business within 24 hours of a successful application.

A competitive edge

Stay one step ahead of the competition with the freedom and funds to try your next big idea.

Unintrusive criteria

A soft credit check doesn’t leave a mark on your credit report.

Flexible repayment

Repayment plans that work for you. Repay early, alter your terms, or apply for a top-up – with no sneaky hidden fees.

Simple eligibility

Just a handful of eligibility criteria means you’ll know if you qualify for a loan right away.

How it works

Step 1: Request

Apply online in minutes through our simple, intuitive applications portal.

Step 2: Review

Our team will review your application, assisted by the best in AI technology for a quick decision about your small business loan.

Step 3: Receipt

Within 24 hours of the review, we’ll release your funds to you, ready for you to use however you like.


Company Status

Sigma Lending small business loans are available to UK limited companies.


Small business loans for companies with a turnover of at least £200,000.


Loans for small businesses who’ve been operating for two years.

The fastest, friendliest way to fund your business

Quick off the mark

Time is extremely precious for small businesses, so we promise to be primed and ready to make ultra-fast decisions.

Integrity over profit

We earn trust through our consistent actions, reliability and accountability. We don’t just want to be big, we want to be responsible lenders.

Creativity in lending

Yes, you read that right. We have the freedom to think out of the box and be more innovative than traditional lenders, and we’re committed to maintaining that edge.

Your small business loan questions, answered

  • A small business loan is a simple way for smaller businesses to fund costs. With Sigma Lending you can borrow between £5k and £50k.

  • It’s down to the lender you choose. Some high street banks won’t offer cash flow loans for small businesses with bad credit. Sigma Lending aims to offer loans to many small businesses, including those that otherwise might be rejected by traditional banks. To see if you’re eligible for a Sigma Lending loan, apply today.

  • Sigma Lending loans are unsecured, so you don’t need to put up your home or any business assets as collateral. We do ask for a personal guarantee from the directors, but we do not require them to be homeowners.

  • Simply apply online in minutes, provide some basic information, and we’ll quickly let you know if you’re successful. With Sigma Lending, it couldn’t be easier to get a small business loan.

  • To get a small business loan from Sigma Lending, you need a UK bank account, and to be a director of a UK limited company with a turnover of over £200,000 per annum that’s been operating for two years.

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