What is BizLoanCheck?
BizLoanCheck is a free, independent online tool that helps UK small and medium-sized businesses quickly understand which loan products they are likely to be eligible for — without a credit check, without registration, and without speaking to a salesperson.
The UK business lending market is complex. There are over 200 active SME lenders, covering everything from government-backed startup loans at 6% to revenue-based merchant cash advances at effective rates of 30–50%. Knowing where to start — and which lenders are realistically going to say yes to your profile — saves significant time and protects your credit file from unnecessary searches.
How does the eligibility scoring work?
We score your eligibility across four key criteria, weighted to reflect how lenders actually make decisions:
Business age (up to 30 points) — lenders see trading history as a proxy for stability. A business trading for 5+ years is significantly less risky than a 6-month startup, all else being equal.
Monthly revenue (up to 30 points) — turnover is the primary indicator of ability to repay. Most lenders want to see consistent revenue that is at least 2–3× the monthly repayment.
Credit profile (up to 25 points) — both business and personal credit matter. CCJs and defaults reduce options but do not eliminate them — specialist and government-backed routes remain available.
Loan-to-revenue ratio (up to 15 points) — the ratio of your requested loan to your annual turnover. Most unsecured lenders are comfortable up to 1–2× annual revenue. Higher ratios may require security or specialist lenders.
Which loan products do we cover?
Our matching engine covers the main UK business lending categories: Government Startup Loans (via the British Business Bank), unsecured business loans, the Recovery Loan Scheme, merchant cash advances, invoice finance, asset and hire purchase finance, and Community Development Finance Institution (CDFI) lending.
Who built this?
BizLoanCheck is an independent public resource. We are not a lender, broker, or regulated financial adviser. We do not earn commission from lender referrals and we do not share your data with lenders. The site is funded by advertising displayed on the page.
Is this financial advice?
No. BizLoanCheck is an indicative pre-screening tool only. Nothing on this site constitutes financial advice or a credit assessment. The eligibility scoring is based on publicly available information about lender criteria and is intended as a starting point for research — not a substitute for speaking with a regulated commercial finance broker or lender directly.
Ready to check your eligibility? Head back to the business loan checker to get your instant assessment — no credit check required.