Apply for business finance in three simple steps with Think:

1. You tell us about your business - Every business is unique, so we first need some basic info on your business so we can find finance to fit your needs and circumstances. Our cutting-edge iFunds technology will match your business against the suitable loans and lenders.
2. We compare loans and lenders - We put your application to tender with our panel of lenders to find the most suitable solution. An account manager will then talk you through your options and you can track the progress of your application via our smartphone app.
3. We’ll take care of the rest – Once you’ve chosen the loan you want, we’ll handle all correspondence and information requests. Your account manager will be on hand to answer questions, give you regular updates and make sure you get your funds as soon as possible.

We compare from a panel of trusted lenders, all of which offer a range of financial solutions designed to fit the needs and circumstances of different businesses.

The trouble is, comparing business loans from this many lenders, while weighing up the pros and cons of each, could take you days (about five of them, by our estimations). And then there’s your credit score to consider, as making a number of applications in a short space of time can damage your score. And a low credit score can limit the options available to you or even see you turned down by certain lenders.

So why not leave all the legwork to the team at Think? We're armed with the cutting-edge tech and human know-how needed to help you find the right finance in a fraction of the time. And we can check your eligibility without any record of a search being left on your credit file.

We take the time, hassle and risk out of sourcing funding from lenders, so you can get on with running your business.

The amount you can borrow depends upon a few things, including the affordability of the loan and the current credit status of your business. Speak to a member of our team and we’ll run through some information with you and help you get the funds you need.

The rates offered to your business will depend on things like your credit score, the amount you want to borrow, the type of business loan you take out, and the lender you choose. Speak to a member of our team and we’ll help you find the best possible rates from our panel of lenders.

This all depends on how quickly you can get your supporting documents across to us, as all lenders will need to see evidence of your finances before deciding whether to lend. As soon as we get the information we need, we can offer initial quotes and discuss budgets. All loans are subject to credit status and affordability. We aim to get you your funds within 24 to 36 hours, but please be aware this depends upon the lender, the amount you want to borrow, and the type of loan you take out.

To start a business finance comparison with Think, we just need some basic information to begin with. As your application proceeds, we’ll need some more details, such as why you want to take out the loan and how it would help the business. We might also ask for bank statements to assess affordability.

An account manager will guide you through the whole the process, so there’s no need to worry if you are unsure about what to expect. There’ll be no surprises when you compare business finance with Think.

A soft credit check is a way for lenders and brokers to check your credit history without leaving a record on your credit file. This type of search is usually done to give you an initial decision on a finance application. If you go ahead with the application, most lenders will then carry out a hard credit check, which will appear on your credit file.

A hard credit check, also known as a full credit search, is used by lenders to see detailed information on your credit file before deciding whether lend to you. This type of credit check is recorded on your credit file, regardless of the success of your application. Having too many hard credit checks on your report in a short space of time can negatively affect your credit score, which can affect the types of finance you’re eligible for and could even see some lenders turn you down for finance.

Most lenders will need to check the credibility of potential borrowers, but we can always ask the lenders to perform a soft check which will not affect credit – please ensure you specify.

If you want to continue with the application, your lender will run a hard credit search before making a decision. Having too many hard credit checks on your report in a short space of time can negatively affect your credit score. This is why it’s important to make sure you choose a loan and lender that suits your needs and circumstances.

When you apply for business finance with Think Business Loans, we’ll run a soft credit check to give you an idea of your eligibility. This is not a guarantee that your application will be accepted, but will give you an idea of whether you should continue. This soft search won’t affect your credit score.

If you carry on to the full application, your potential lender will run a hard credit check that will be recorded on your credit file and could affect your credit score.

You can check your credit score for free by downloading our app here. Checking your score on our app won’t affect it in any way.

Absolutely. We understand that not everyone has a perfect credit history and that things can happen beyond your control. If you have any concerns about bad credit, let our team know and we’ll compare loans and lenders best suited to your circumstances.

Simply download the Think Business Loans app and you can check your credit score for free, without affecting your credit history in any way.

It is important to remember that anyone can credit check your company and see its public credit rating, which is why it is within your best interests to know and understand what is in your business credit report.

Early repayment terms differ between loan types and lenders. While some will have a fixed monthly repayment schedule, others can be more flexible. Bear in mind that if you want to repay a loan early, you’ll need to get a settlement figure. This will be the amount you owe, plus a certain amount of interest. Some lenders may also charge an early settlement fee.

If this is a concern, please tell your lending manager and they will be able to help.

Our team of lending managers are on hand to help discuss your requirements and help you work out the best type of loan from our panel of lenders.

We provide quotes for business finance with no obligation, so you’re not committed to using us. If we have given you quotes but you no longer want to use our services, please do let us know as soon as possible as we can put our energy into finding finance to help other businesses grow.