Services — London

Business Loans
in London

London's business landscape demands fast, flexible finance — and Ichiban Capital delivers it. As an FCA-approved independent adviser with over 41 years of experience, we connect London businesses to the right funding from our panel of close to 350 lenders.

Whether you operate in the City, Canary Wharf, or anywhere across Greater London, our advisers structure business loans tailored precisely to your sector, scale, and ambitions.

Contact Us Free, no-obligation consultation
FCA Approved
Terms in 48 Hours
~350 Lenders
41+ Years Experience
London
Finance for London Business

London stands as the world's leading financial centre, home to a uniquely diverse economy spanning financial services, technology, professional services, and thriving creative industries. From early-stage fintech ventures in Shoreditch to established professional firms in the Square Mile, the demand for well-structured business finance is constant and competitive. Business loans remain the cornerstone of growth capital for London's ambitious enterprises, and having the right adviser makes all the difference.

41+
Years Experience
~350
Lending Establishments
48hr
Indicative Terms
Our Philosophy

What We Can Support

Ichiban Capital gives London businesses direct access to close to 350 lending establishments through a single, expert-led advisory relationship. Our whole-of-market approach means we identify the most competitive terms available, not just the most convenient.

  • Unsecured and secured business loan options
  • Loans from £25,000 to £25 million+
  • Terms from 1 to 25 years available
  • Fixed and variable rate structures
  • Fast-track decisions for time-sensitive deals
  • Sector-specific lending for London industries
  • FCA-regulated advice at every stage

All lending is subject to status, lender criteria, and affordability assessment. Ichiban Capital is authorised and regulated by the Financial Conduct Authority.

Schedule a Call
Independent Advisory
+

With 41+ years advising London businesses, Ichiban Capital understands which lenders are best positioned for your sector, deal size, and timeline. We do the heavy lifting so you can focus on running your business.

Transparent Structures
+

Our fee structure is clearly explained before you proceed, with no hidden charges or surprise costs at completion. You will always know exactly what you are paying and why.

Professionals Only — No Sales Pressure
+

Our advisers present your options clearly and give you the time and space to make the right decision for your business. We never push products — our goal is the best outcome for you, not commission volume.

Our Services

Types of Business Loans
We Offer in London

01
Unsecured Business Loans

Access funding without pledging business or personal assets as security. Ideal for London SMEs with strong trading history seeking fast, straightforward capital.

02
Secured Business Loans

Leverage property or assets to unlock larger loan amounts at more competitive rates. Suited to established London businesses with tangible assets on their balance sheet.

03
Revenue-Based Finance

Repayments flex in line with your monthly revenue, reducing pressure during quieter trading periods. Particularly well-suited to London's high-growth technology and creative sector businesses.

04
Business Cash Flow Loans

Short-term funding designed to bridge gaps in working capital and keep operations running smoothly. A practical solution for London businesses managing seasonal demand or delayed client payments.

05
Startup Business Loans

Dedicated funding options for early-stage London businesses that lack the trading history required by mainstream lenders. We work with specialist lenders who back credible teams with strong business plans.

And much more — speak to our team to discuss your requirements.

Explore All Options
How It Works

Getting Started
is Straightforward

Make an Enquiry
Step 1
Submit Enquiry

Complete our short enquiry form with basic details about your business and funding requirement.

Step 2
Initial Discussion

A dedicated Ichiban Capital adviser contacts you within 48 hours to discuss your needs in full.

Step 3
We Source Funding

We search our panel of close to 350 lenders and present the most suitable options for your approval.

Step 4
Completion

Once you choose your preferred solution, we manage the application through to funding completion.

Common Questions

Your Questions Answered

Speak to Our Team

Everything you need to know about Business Loans in London.

How much can a London business borrow through Ichiban Capital? +

We facilitate business loans from £25,000 up to £25 million and beyond, depending on your financial profile and the lender selected. Our advisers will give you a realistic indication of your borrowing capacity during your initial consultation.

How quickly can I receive business loan funding in London? +

Timescales vary by loan type and lender, but unsecured business loans can complete in as little as 24 to 72 hours for eligible applicants. Secured loans typically take two to six weeks depending on legal and valuation requirements.

Do I need to be trading for a set period to qualify? +

Most mainstream lenders require a minimum of 12 to 24 months of trading history, though we work with specialist lenders who support startups and early-stage businesses too. Your adviser will identify lenders whose criteria match your trading profile.

Is Ichiban Capital regulated to advise on business loans in London? +

Yes — Ichiban Capital is authorised and regulated by the Financial Conduct Authority, providing London businesses with a fully compliant and professional advisory service. FCA authorisation means you benefit from recognised standards of conduct and client protection.

Can I get a business loan in London with a poor credit history? +

Adverse credit does not automatically disqualify you, as some lenders on our panel specialise in businesses with imperfect credit profiles. Our advisers will assess your full financial picture and match you with lenders whose appetite aligns with your circumstances.

What can a London business use a business loan for? +

Business loans can be used for a wide range of purposes including working capital, equipment purchase, premises expansion, hiring, stock, and refinancing existing debt. Lenders will ask for clarity on use of funds, and your adviser will help you present this compellingly.

How does Ichiban Capital compare to going directly to a bank? +

Going direct limits you to a single lender's products and risk appetite, whereas Ichiban Capital searches close to 350 lenders simultaneously to find the most competitive terms available to you. Our 41+ years of market experience also means we know which lenders to approach for specific deal types.

Are business loan interest rates fixed or variable in London? +

Both options are available depending on the lender and loan structure you choose. Fixed rates provide repayment certainty, while variable rates can offer lower initial costs — your adviser will explain the trade-offs clearly so you can choose with confidence.

Related Services

Bridging Finance in London Development Finance in London Asset Finance in London
Preparing For Your Future

Why Clients Choose Ichiban Capital

Independent Advisory
We are not tied to a single lender, allowing us to access competitive funding sources.

Broad Lending Relationships
Access to banks, specialist lenders and private capital providers.

Discretion and Professionalism
All discussions are handled confidentially.

Experience Across Complex Transactions
We regularly structure finance for cases outside standard lending parameters.

Testimonials

Client Experiences That Speak for Themselves

Read All Testimonials

“Ichiban Capital has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”

Carlos Martines
MEX – CEO

“Partnering with Ichiban was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”

Kate Smith
Swirl – CEO & President

“I hired Ichiban Capital for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”

Rebecca Roy
H&N – CEO & President