Business Loans
The cash boost you need to fund your next big idea
Need short or long-term working capital? Surprised by how hard it is to access funding through your bank? We work with businesses of all shapes and sizes to arrange loans that suit your needs on a secured and unsecured basis, even if it’s for labour, software, acquisitions or specialist assets. Funds are typically released the same day or within days, depending on the lender.
Our business loan options
Short-Term Business Loans
3-12 months
Some funding needs are time-sensitive but don’t justify a long-term commitment. If you’re managing VAT or corporation tax bills, wanting to fund stock purchases or cover cash flow gaps, shorter-term business loans can be helpful. They’re fast, flexible and shouldn’t disrupt day-to-day operations.
- Fast access to working capital
- Helps smooth cash flow around tax and seasonal spikes
- Often includes the option to repay early, sometimes without penalties
Medium-Term Business Loans
12+ months
Heading in a new direction? Expansion on the cards? Medium-Term Loans are commonly used to fund growth activity: hiring, marketing initiatives or office and warehouse fit-outs, where returns aren’t immediate.
- Spread the cost of an investment over a longer period of time
- Avoid draining cash reserves to fund expansion
- Fixed, predictable repayments make forecasting easier
Strategic Loans
12+ months
Some transactions make commercial sense but fall outside of what traditional lenders are willing to support. Strategic loans are often used for complex deals such as management buy-outs, acquisitions or the purchase of specialist assets.
- Preserve existing bank facilities for trading and working capital
- Provides flexibility in how costs are structured and repaid over time
- Reduces the need for large upfront capital to purchase non-standard assets
How to apply
Whether you’re a growing start-up or listed PLC, our three-step process gives you clarity, avoids wasted time on poorly structured deals and finds the best finance for your goals. Most clients receive a funding decision within 24-48 hours.
Tell us about your business and what you’re trying to achieve.
We’ll arrange a short conversation to discuss what you’re looking to fund, timings and your commercial goals. We’ll also ask for a few documents such as supplier quote/s, latest financials, most recent bank statements and ID to start the process.
Get matched to lender(s).
We identify the best lenders to provide your finance, whether it’s one or a strategic syndicate, and you’ll typically receive the recommended structure and terms within 1-2 days. We’re on hand to answer any questions and refine the approach.
Receive your offer.
We’ll submit your application and handle everything required for approval, from lender questions to additional document submission. We’ll keep you updated throughout and, once approved, will present your offer and assist with the final paperwork so funds can be released.
Why choose Catalyst?
We structure loans around real business costs – even when the spend is for a non-physical asset like software, tax, hiring or ownership transitions
We increase your business’s funding potential – with 40+ lenders on our panel, we widen your funding options beyond big bank risk appetites
We don’t work standard hours – your next project or fit-out won’t be held up by our slow responses or turnaround
We position your loan so lenders understand the need – avoiding unnecessary delays or declines
We manage the process end-to-end – so you can focus on your day job
We’re upfront about guarantees and security early –giving you clarity from day one
FAQs
Business loans aren’t one-size-fits-all. Or they shouldn’t be. Our specialist team is on hand to find the right funding for you, whether you want the flexibility to repay early or funding released in phases as you grow. The list below covers the questions we’re asked most often.
