Little Business Loans: products, terms and eligibility

Little Business Loans is a UK provider of unsecured business loans. The legal entity named on its site is The Buyback Service Ltd, company number 08457011. It is based in Birmingham. Companies House shows the company was incorporated 2013.

Little Business Loans is a trading name of The Buyback Service Ltd (company number 08457011), based in Birmingham. It says it is FCA registered (number 656221) and a member of the Association for Alternative Business Funding (AABF).

In its own words on scale:

• Says it has funded over 8,000 businesses and lent more than £42 million (figures on its site in October 2026).

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

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

• Short-term business loan: Daily, weekly or monthly instalments by continuous payment authority on a business debit card; repay early with no extra charge.

Short-term business loan

Loans of up to £20,000 for up to 12 months, secured against business assets that the borrower keeps using. The main applicant gives a personal guarantee. Repayments can be daily, weekly or monthly and are collected by continuous payment authority on the business debit card, or by bank transfer. Fees are charged weekly, and there is no extra charge for repaying early in part or in full.

Little Business Loans says its finance is used for:

• Cash flow management
• Stock purchases
• Business expansion
• Unexpected expenses

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

• Limited company registered in England and Wales.
• Each director over 21 and a UK resident with access to the main business bank account.
• Business debit card attached to the main business bank account.
• Sufficient funds to cover the repayments.
• Sufficient assets to be secured against the loan.
• Completed application and last 3 months' business bank statements.

Little Business Loans describes its process like this:

1. Complete the online application or call.
2. Have a video call with a loan manager to complete paperwork and AML and fraud-prevention checks.
3. Receive funds after approval.

Information it says it asks for:

• Completed application form
• Three months of business bank statements

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 Little Business Loans publishes that are worth knowing:

• The loan is secured against business assets, which the business keeps using; the FAQ says goods can be recovered as a last resort without a court order.
• A personal guarantee from the main applicant is required.
• A credit check is carried out on the business and a soft search on directors.
• Early repayment is allowed with no extra charge; repaying 7 or more days early earns a discount on weekly fees.
• Extension fees apply where a loan cannot be repaid on time.

Security and guarantees

Loans are secured against business assets, which the borrower keeps using. The main applicant gives a personal guarantee, which the lender says is enforced only if the loan is not repaid on time and no repayment plan is agreed. Early repayment, partial or full, carries no extra charge.

Little Business Loans’s site states: “Little Business Loans is a trading name of The Buyback Service Ltd Company no: 08457011 FCA Registration No: 656221”

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 Mercia Business Loans, Momenta Finance and Playter. 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.