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Short-term Business Loan

Get the funds your business needs to grow

Many businesses look to their bank as their only funding option when looking for short-term funding. It can be difficult for small businesses to secure the funding they need from bank because of rigid credit policies. 


What can I use a short-term business loan for? 

  • managing the seasonal cycle of business 

  • funding an inventory deal with a quick turnaround 

  • entering into a new marketing campaign 

  • a large-scale inventory purchase 

  • equipment purchase 

  • new product development 

  • an unexpected expense 

  • any other business purpose 


Here at Adelpha, we understand the importance of a short-term business loan and the flexibility they bring. Adelpha's short-term business loan provides a simple and flexible short-term loan with terms available from 6 months up to 36 months. 

Why choose a short-term business loan from Adelpha?

Lend up to £150,000

Lend from £1,000 | Adelpha Capital

Fast decisions

Fast lending decisions | Adelpha Capita

We say "Yes" more often

A real person decides on your application | Adelpha Capital

Friendly service

Approachable and friendly service | Adelpha Capital

Transparent costs

Transparent costs with no surprise | Adelpha Capital

Access repeat funding

Access repeat funding | Adepha Capital

Our short-term business loan is designed to be a simple, fast and fair form of finance. You could receive between £3,000 and £150,000. In essence, it is everything you need in a short-term business loan. Your business cash-flows will not be interrupted as the short-term business loan is repaid by a weekly or monthly payment plan that is pre-agreed to align with your business cash-flows.

Our short-term business loan is unsecured. Adelpha does not place restrictions on how you spend the advanced funds in your business as we are here to improve your cash-flow, not run your business.

Banks can take a long time to make a decision on a short-term business loan application. However, at Adelpha there is no lengthy application process and, once you have provided us with the information we need, you can have a final decision within a working day.

Who can apply for a short-term business loan?

To be eligible, we typically require you to have been in business for at least 12 months, have a UK based majority ownership and an average monthly revenue over £3,000.

​Some of the benefits are:

  • Apply in minutes for £3,000 – £150,000 and get a decision within two working days

  • A simple and hassle-free application with a high approval rate

  • Repayments tailored to match your business cash-flows

  • A fixed cost of funding that is agreed upfront

  • No hidden fees or charges

How does it work?

Our short-term business loan is an advance of cash you can repay via weekly or monthly payments for up to 36 months.


Repayments are tailored to your business cash-flows. Unlike many other forms of business funding, our short-term busines loan is an unsecured way of accessing finance which means charges over the company or your personal assets aren’t required. We typically require a personal guarantee, but this should not be a problem given we deal with small business in which owners have a personal stake and believe in the business’s future.


A short-term business loan can give you a boost funds when you need them most.

​1. Apply

It's easy to apply. Simply complete our secure online application form. We only require basic information like your contact details and company name.

2. Quick Call

We will arrange a time for an account manager to speak with you.We have extensive experience working with small businesses and this conversation enables us to better understand your business and funding requirements.

​3. Underwriting

Once you have supplied any requested information and we have spoken with you, we aim to make an offer to an eligible business within a business days. 

4. Funding

If you accept our funding offer, then once the documents are signed and the final checks completed, you can draw down the funds within a business day. It is quick and simply to top-up funds later.

Frequently asked question

Finance from £1,000 | Adelpha Capital

How much can we raise?

We can finance from £3,000 to £150,000 with flexible repayment terms of up to 36 months.

How to apply | Adelpha Capital

How do you apply?

Complete a simple online application that will only take a few minutes. If needed, we can help you complete the application over the phone.

Finance within two business days | Adelpha Capital

How long does it take?

Once you have applied and provided any required documentation, we aim to make a decision within 24 hours.

Our other lending products

Secured Business Loan

  • Funding from £5,000 to £150,000

  • Lending secured by a charge over residential or semi-commercial property

  • Repayments from one to six years

Need more details? Speak to a real person

Our dedicated account managers are here to help. Contact us by phone or email

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