Playter: products, terms and eligibility

Playter is a UK provider of unsecured business loans. The legal entity named on its site is Imployapp Limited (trading as Playter), company number 11376064. It is based in London.

Playter is the trading name of Imployapp Limited, incorporated in England and Wales (company number 11376064) with a registered office at 40 Leadenhall Street, London. The site says it was founded by entrepreneurs who experienced financing frustrations themselves. It says Imployapp Limited is registered with the FCA (reference 986360) and acts as a distributor of Modulr FS Limited, an FCA-authorised electronic money institution, for payment services.

In its own words on scale:

• Says it has funded 6,500 businesses (figure on its site in October 2026).
• Says it has approved £250 million of funding (figure on its site in October 2026).

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

Playter publishes 2 products for UK businesses. The table above gives the amounts and terms as it states them.

• PlayterBoost short-term cash flow loan: Monthly instalments.
• PlayterPay invoice credit: Monthly instalments against uploaded invoices.

PlayterBoost short-term cash flow loan

A short-term unsecured loan of up to £500,000, repaid in 2 to 12 monthly instalments. The business must be a UK limited company with at least £250,000 annual turnover and at least a year of trading. Directors or shareholders must give a personal guarantee, the site says guarantors need to be UK homeowners with enough property equity to cover the loan, and corporate guarantees may be requested for group companies.

PlayterPay invoice credit

Businesses upload supplier invoices and spread payment over 3, 6, 9 or 12 months, with credit of up to £1 million depending on assessment. UK businesses with 12 months of trading are eligible. Connecting Open Banking and cloud accounting software is used for assessment, though the site says alternative documents are accepted. The site says there are no penalties for early repayment, and that personal guarantees may sometimes be requested.

Playter says its finance is used for:

• Paying VAT bills
• Buying inventory
• Asset purchases
• Marketing spend
• Software costs
• Bridging cash flow gaps and refinancing

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

• Boost: UK limited business.
• Boost: minimum £250k turnover.
• Boost: trading for at least one year.
• Pay: UK businesses with 12 months of trading history.
• Connects to open banking and, for Pay, cloud accounting software.

Playter describes its process like this:

1. Create an account with company details.
2. Connect Open Banking and accounting software (or provide alternative documents).
3. Choose the loan size and duration, or upload the invoice to spread.
4. Accept the offer.

Information it says it asks for:

• Open Banking connection
• Cloud accounting software connection, or alternative documentation if unavailable

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 Playter publishes that are worth knowing:

• A personal guarantee is required for a Boost loan; the guarantor needs to be a UK homeowner with enough equity to cover the loan.
• Boost is a short-term loan intended for cash flow and growth.
• Pay is credit to spread the cost of supplier invoices.

Security and guarantees

Loans are unsecured, with no asset pledged. Personal guarantees from directors or shareholders are required on PlayterBoost and may be requested on PlayterPay, and corporate guarantees may be requested for group borrowers. PlayterPay allows early repayment, which the site says carries no penalty.

Playter’s site states: “Imployapp Limited (Trading as Playter) is registered with the FCA with reference number 986360. Imployapp Limited is incorporated in England and Wales (company number: 11376064). Our registered office is at Floor 10, 40 Leadenhall Street, London, EC3A 2BJ”

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 SimplyFunded, STAX and Swiftfund. 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.