Business Expansion Loans UK 2025
Finance business growth, second locations, acquisitions. £25k-£5m for established profitable UK businesses.
Types of Expansion Funding
1. Secured Expansion Loan
- Amount: £25k-£5m
- APR: 5-10% (secured on property)
- Term: 3-15 years
- Best for: Major expansion, multiple locations, business acquisition
2. Unsecured Growth Capital
- Amount: £10k-£500k
- APR: 8-18%
- Term: 1-5 years
- Best for: Proven businesses, marketing investment, staff expansion
3. Revenue-Based Financing
- Amount: £50k-£5m
- Cost: 1.3-1.8x repayment cap
- Flexible: Repay as % of revenue
- Best for: High-growth businesses, SaaS, e-commerce
Requirements for Expansion Loans
- ✅ 2-3 years profitable trading
- ✅ Strong financial statements
- ✅ Clear expansion plan with ROI projections
- ✅ Proven business model (successful first location)
- ✅ Management capacity for growth
Second Location Financing
For retail/restaurant chains opening 2nd, 3rd locations:
- Lenders more confident - proven model in location 1
- Can borrow 60-80% of new location costs
- Better rates than startup (track record)
- Faster approval (2-3 weeks vs 6-8 weeks for startups)
Business Acquisition Loans
Buying an existing business:
- Typical loan: 50-70% of purchase price
- Seller finance: 20-30% (seller lends portion)
- Your cash: 10-30%
- APR: 6-12% for good businesses
Expansion Finance Quotes
Compare expansion loans, growth capital, and acquisition finance for established businesses.
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