Business loans

Bank loans usually offer lower interest rates but have stricter eligibility and longer approval times. Alternative lenders tend to be faster and more flexible, often helping newer or smaller businesses access funding, but they may come with slightly higher costs.

Here’s the rule of thumb: If you need cash tomorrow to seize an opportunity, go alternative. If you’re playing the long game and have the paperwork ready, a bank loan is your best bet for a lower rate.

Absolutely! Many loans can be used for more than one purpose. For example, you might use funds to buy equipment, cover short-term cash flow gaps, or fund a small expansion all with the same loan.

We know business moves fast, so we focus on providing a clear answer without the usual bank delays. Instead of just listing options, we guide you toward the best decision for your situation to reduce uncertainty. We’ll walk you through each step of the process to keep your momentum going and get you an answer when it matters most.

Lenders generally look for steady revenue, a clean credit history, and a clear plan for how you’ll use the funds. We’ll help you figure out if you tick all the boxes before you even hit 'apply'.

Whether you work solo or manage a large team, different loans work better depending on your size and structure. From flexible loans for smaller businesses to structured facilities for larger enterprises, we’ll help you figure out which one actually fits your business. No cookie-cutter solutions here.

With Valiant, you can get funding in as little as 24 hours.

Since we don't exclusively represent a single lender, we're able to offer a wide range of loan products from our partners and find our customers a tailored solution and competitive rate. These include:

• Business term loans
• Business lines of credit
• Invoice finance
• Trade finance
• Business car loans
• Equipment finance
• Lease agreements
• Secured term loans
• Business acquisition loans
• Merchant cash advances

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The amount you can borrow for a business loan will depend on several factors, such as your business's financial health, credit score, type of loan, and lender's criteria.

Valiant is an award-winning online platform offering businesses a streamlined solution to accessing finance, with more than 200 products available. With your financial needs in mind, we leverage relationships we’ve built with the lenders on our panel to advocate for you at every step of the loan application process.

No hoops to jump through, just simple solutions so you can stay focused on your goals. Over the last 10 years, we've helped 30k businesses access over $3bn in funding—and counting.