Business Loans
in Newcastle

Newcastle businesses can access a wide range of loan products including unsecured loans, secured loans, working capital facilities, expansion finance, and start-up loans. Ichiban Capital's panel of close to 350 lenders means we can source options across the full spectrum of business funding. We match the right product to your specific situation rather than offering a one-size-fits-all solution.

Loan amounts typically range from £25,000 to well over £25 million depending on your business size, financial profile, and the security available. The right amount depends on your purpose, repayment capacity, and lender criteria. Our advisers help you establish a realistic and appropriate borrowing level from the outset.

Many unsecured business loans can receive a decision within 24 to 48 hours of a completed application. Secured loans and larger facilities typically take longer due to valuation and legal requirements. Ichiban Capital works to move as quickly as the lender and your circumstances allow.

Not necessarily. Unsecured business loans are available for businesses with strong credit profiles and trading records, requiring no asset security. Secured loans use property or other assets as collateral and generally offer larger amounts and lower rates. We advise on which structure is most appropriate for your business.

Yes. Ichiban Capital is authorised and regulated by the Financial Conduct Authority, giving you confidence that our advice meets strict professional and ethical standards. We operate as an independent adviser, meaning we are not incentivised to favour any particular lender. Your interests come first in every recommendation we make.

Yes, though the options differ from those available to established businesses. Several lenders on our panel specialise in start-up finance and assess applications on the strength of the business plan, director experience, and projected cash flow rather than trading history alone. We identify the most appropriate lenders for early-stage businesses across Tyne and Wear.

Going direct to a bank limits you to that institution's products and criteria. Ichiban Capital provides access to close to 350 lending establishments, giving you a far broader range of options and significantly increasing the likelihood of approval at competitive terms. Our 41-plus years of experience also means we know which lenders are best suited to specific business profiles and sectors.

Lenders typically require recent business accounts, bank statements, details of directors or shareholders, a description of the loan purpose, and financial projections where relevant. The exact requirements vary by lender and loan type. Our advisers guide you through the documentation process to ensure your application is presented as strongly as possible.