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020 7112 8123

At Adelpha we provide fast funding to businesses who need it, with flexible repayment terms. You can also have absolute control over your funds, without interference, as you know best what your business needs. You will also get a human making the decision on your application and a dedicated account manager to liaise with, throughout your dealings with us.

An unsecured, fixed costs finance solution based on future business revenue. It enables you to borrow between £3,000 and £150,000 which you repay on a pre-arranged repayment schedule.

You can borrow between £3,000 and £150,000. The amount available is dependent on a number of factors, and each loan is assessed individually by a person, not a computer.

Start here to get a quote or speak to the team on 0207 112 8123.

Our Unsecured Business Loan has a term of 6 months to 24 months for a business trading less than 3 years. If your business has been trading for more than 3 years, we may be able to offer a term of up to 36 months. Repayments are made by instalments over the term, on a pre-agreed basis.

Requirements to be eligible for an Unsecured Business Loan are:

• Limited Companies in business for at least 12 months

• Average monthly revenue of at least £3,000

• UK based majority owner

• Trade predominantly in the UK

If you don't meet our requirements or require a more tailored funding solution, Adelpha can help you secure funding from a number of partners and investors. Contact us to discuss your funding needs.

Once we have all the necessary details from you, we aim to have the funds in your bank account within 24 hours.

Yes. We consider each application on an individual basis and assess if an Unsecured Business Loan is right for your business based on its individual circumstances and outlook - not just your credit history. We are committed to acting responsibly, so we urge you to think carefully about financial products for your business and seek appropriate advice when making decisions.

You can use the Unsecured Business Loan for any business need, be this:

• purchasing stock or equipment,

• refurbishment,

• repairs,

• hiring staff,

• paying taxes,

• marketing, or

• unexpected bills

We understand that no business is the same, so out pricing is unique to each application. Our interest rate starts at 1.9% per month.

For your own bespoke price, you can apply for a free no obligation quote online without impacting your personal credit score.

No, there are no costs to apply for a Unsecured Business Loan

We will use a number of different sources of information to help us understand your business. With your permission we check your company and consumer credit information through Credit Reference Agencies. Our search is recorded as a 'soft footprint', so it does not have an adverse impact on your credit score.

We require at least 6 months bank statements - preferably submitted via Open Banking - and the last filed accounts. In some cases, we may ask for additional information.

An Unsecured Business Loan is a way of accessing finance without any asset security. We do require a Personal Guarantee(s) from the directors / owners of the business.

You should take legal advice if you have any concerns or questions about the terms of your personal guarantee. The guarantee is a promise to pay all your company's liabilities to Adelpha, meaning that if your company misses a payment, the guarantor may be required to repay the company's funding in full. Given we deal with small businesses in which the owners have a personal stake and believe in their success, providing a personal guarantee should not be a problem.

You repay by pre-agreed payments based on your business cash flows. The payments are automatically deducted from your business bank account by direct debit so you don’t have to worry about missing due dates.

Yes! After 6 months you can repay in full with no additional fees or interest charged.

We are a responsible lender at all times, and provide loans only to businesses deemed able to repay. However, we recognise that sometimes our customers find their situation changes or they are struggling to repay. In such circumstances, the most important thing is to speak to your account manager on 02071 128 123 who will work with you to find a way forward.

Yes, we will consider more funding provided you have met your payments on time and your business continues to perform. As we already have your details, it is an even simpler and shorter process. You may need to provide updated bank statement or other documents before we fund more. Contact your account manager to discuss your further funding needs.

Yes. Brokers find it easy to work with Adelpha. We are committed to growing our network of brokers and are open to forming a relationship with new business introducers. Please contact us on hello@adelphacapital.com or 02071 128 123 to find out more.

We aspire to provide excellent customer service, but we also appreciate that sometimes things go wrong. We have a process in place to appropriately deal with any issue you may have. Please contact us by email in the first instance at hello@adelphacapital.com.