Lenkie: products, terms and eligibility

Lenkie is a UK provider of unsecured business loans. The legal entity named on its site is Lenkie Technologies Limited, company number 13043898. It is based in London. It gives its founding year as Founded in 2020.

Lenkie says it was established in 2020 to make funding simple and accessible for SMEs. It is based in London. Its main product is the Grow Now, Pay Later credit facility, and it also works with brokers and affiliates.

In its own words on scale:

• Says thousands of businesses use its platform (statement on its site in October 2026).

Everything on this page comes from what Lenkie publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Lenkie publishes one product for UK businesses. The table above gives the amounts and terms as it states them.

• Grow Now, Pay Later credit facility: Instalments per invoice; each repayment tops up the available balance.

Grow Now, Pay Later credit facility

An uncommitted, revolving credit facility for working capital such as supplier invoices, inventory and marketing. Limits go up to £1 million, and each repayment restores available balance without reapplying. The business uploads supplier invoices (with Xero or QuickBooks imports), Lenkie pays suppliers, and the business repays in instalments over 1, 3, 6, 9 or 12 months. Payments can be made in GBP, USD and EUR to over 150 countries, and suppliers see the client’s name on the payment.

Lenkie says its finance is used for:

• Paying supplier invoices
• Inventory purchases
• Marketing costs
• Bulk payments to multiple suppliers
• International supplier payments

Sectors and business types it says it funds:

• Says it serves 40+ industries including trade, logistics and legal services

What it says it does not fund:

• Non-UK businesses
• Sole traders and partnerships

Lenkie publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK-based limited company or LLP.
• At least £1,000,000 annual revenue based on latest filed accounts.
• Trading for at least 18 months.

Lenkie describes its process like this:

1. Apply online (brokers can sign up and submit client applications).
2. Provide last filed accounts, management information and a bank connection.
3. Upload invoices to be paid.
4. Receive approval and access the credit facility.
5. Repay in instalments of the chosen length.

Information it says it asks for:

• Last filed accounts
• Up-to-date management information
• Bank account connection

Every application is subject to status and the lender’s own criteria at the time.

An unsecured business loan is a fixed sum repaid in instalments over an agreed term, without a charge over a specific asset. Most lenders still ask the directors for a personal guarantee, which makes them personally liable if the company cannot repay.

Lenders price each loan on the business’s trading history, turnover and credit profile, so the offer you receive can differ from the published range. Compare the total cost in pounds and the repayment pattern, not only the headline rate: our guide on how to compare business loan lenders shows how.

Points Lenkie publishes that are worth knowing:

• Described as an uncommitted credit facility for working capital expenses such as inventory and marketing.
• Used to pay supplier invoices, including international suppliers.
• Limit can increase over time with facility usage, according to the brokers page.
• Services are provided exclusively to UK businesses.

Security and guarantees

The pages read do not publish security or guarantee requirements. The facility is described as uncommitted.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Lenkie how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of unsecured business loans with profiles here include Little Business Loans, Mercia Business Loans and Momenta Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.