• Views from the flipside
  • Short or long-term: What is the best business loan for me?

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Views from the flipside

cashflow.jpgAccording to the Small Business Survey, produced by the Department for Business, Innovation and Skills, the main reason that businesses applied for external finance in 2015 was to acquire working capital or for cash flow purposes, with results detailing that 52% of businesses surveyed cited this as their main motivation for external funding.

At the other end of the scale, only 3% of businesses used external finance to fund their Marketing requirements, despite the forecast that spending in Marketing would increase in 2015.

At LDF we understand that securing the finance to support your business’ growth can be difficult. To help ease the burden of those recurring business expenses that can often hinder your cash flow, we offer both short and long-term business loans, giving you the choice to select the best financial solution for your needs.

Short Term Business Loan

Our short-term business loans help you to cover specific business purposes and enable essential costs to be spread over a 3 to 12 month term.

Business Development Loan

Our Business Development loan is available to SMEs to help drive growth and business advancement.  It can help your business raise the capital required to cover a range of costs over an extended loan period of between 12 months and 5 years*.

Which loan should you choose?

Typical requirements for LDF Business Loans may differ depending on whether you opt for a short-term or longer-term (Business Development) loan. Use the table below to select the loan that will best suit your business needs: 

Purpose Short Term Loan Business Development Loan
Annual Subscriptions  
Building Renovations  
Cash Flow  
Debtor Relief  
Delivery Service Fees  
Equipment Purchases  
Fixed Share Partner Levies (LLP)  
Marketing and Advertising  
Office Insurance Premiums  
Partner Buy In and Outs  
Practising Certificates  
Professional Indemnity Insurance Premiums  
Relocation Costs  
Research and Development  
Share Purchase  
Software Licenses  
Stock Purchases  
Tax Payments (Corporation and Income  
Training Costs  
VAT Payments  

Learn more about our business loans or contact us to discuss your requirements on 01244 525410.

Download our guide to Business Loans

*The 5 year term is available only to professional firms in the legal, accounting, architectural and healthcare industries.

Why choose LDF?

  • No red tape, so you can receive funds in as little as 24 hours
  • We accept 4 out of every 5 applications
  • Apply quickly and easily with E-sign loan documents
  • You’ll always speak to the same person
  • Free up cash flow for other areas of your business
  • Tailored finance agreements to suit your specific needs
Find out more

Views from the flipside

What our customers say

We could not have been happier. Banks as usual were a nightmare - they took over six weeks to eventually refuse for vague reasons unexplained. LDF were professional, helpful, friendly, and best of all, fast.

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