Business loan rates, in the open.
Most lenders won't quote you a rate until you've applied. We publish the whole card. Find what your business actually qualifies for — turnover, time trading and credit profile are what move the number.
What rate would my business get?
Three questions. No personal details, no credit check.
Indicative only, based on our published card. Your confirmed rate depends on your full profile and lender assessment. LoanCheck is a comparison service, not a lender.
Every tier, published.
This is the same rate card our matching engine uses when it prices your options — nothing held back.
| Time trading | Rate from | Borrow up to | Max term | Line of credit |
|---|
Three things decide your number.
How long you've traded
The single biggest lever. At 3+ years you reach our lowest rate and the longest terms. Under 12 months, lenders price for the unknown — the rate climbs and the term shortens.
Your monthly turnover
Turnover sets the size, not the rate. You can generally borrow up to 3× your monthly turnover, capped at $500k. Consistent deposits matter more than a single big month.
Your credit profile
Defaults and arrears don't rule you out — we fund impaired credit — but they reprice the loan and shorten the term. Checking your options here never touches your credit file.
See what you actually qualify for.
The card tells you the tiers. The comparison tells you your options — matched across 80+ lenders in about a minute, with no impact on your credit score.
Check my options