No Credit Check Business Loan Deals

Flexible finance solutions designed as an alternative to traditional bank loans

When is a No Credit Check Business Loan necessary?

Many banks and traditional lenders conduct hard credit checks when businesses apply for loans. For companies with poor credit scores, these hard credit checks can negatively impact their rating even further, making it seem almost impossible to find suitable financing options.

Fortunately, Doulton Bridging Finance offers solutions designed specifically for business owners in this situation. Our bad credit business loans, no credit check business finance, and alternative funding options provide viable paths to capital even when traditional lenders say no.

A poor credit score shouldn't prevent your business from securing the funding it needs to grow and thrive. Our alternative finance solutions focus on your business performance rather than past credit issues.

Bad Credit Business Loan Deals

At Doulton Bridging Finance, we understand that credit scores don't always reflect a business's true potential. Our merchant cash advances and alternative finance options act as effective bad credit business loans, providing flexible ways to raise capital funding even with adverse credit history.

Unlike secured business loans from banks, we don't require extensive collateral or complex business plans, nor do we perform damaging hard credit checks. Instead, we assess your business's recent trading performance and apply only soft credit checks, meaning we don't rely solely on your credit history or score when making decisions.

Since we don't apply hard credit checks when assessing eligibility, applying for finance with Doulton Bridging Finance won't affect your credit score at all.

Eligibility Requirements

If your business meets these simple criteria, you could be eligible for our unsecured business funding between £10,000 and £500,000:

• Registered office located in the UK

• Processes payments through card machines (PDQ) and/or online payment systems

• Trading for at least 6-12 months

• Monthly card turnover of at least £10,000

Even businesses with bad credit or no credit history can qualify for our alternative finance solutions.

Key points of our no Credit Check Business Loan service

Easy Approval Process

• Submit your application online in minutes

• Receive decisions within 24 hours

• Industry-leading approval rates

Simple Requirements

• No collateral or detailed business plans required

• Low credit scores don't disqualify your application

• Focus on business performance, not credit history

Flexible Repayment Terms

• Repayments based on percentage of future card sales

• No fixed interest rates or APRs

• Pay back only when customers pay you

• Typical repayment period: 6-12 months

When is a No Credit Check Business Loan necessary

Your credit score rates your credit risk and is traditionally one of the most important criteria for bank loan applications. Several agencies in the UK maintain credit records and calculate credit scores, and if one gives you a poor rating, others typically follow suit.

A high credit score demonstrates good credit management and reliable repayment history, while a lower score usually results from missed payments, defaults, or other credit difficulties.

Each time lenders conduct hard credit checks, your credit score takes a negative hit. This means applying for multiple business loans can damage your long-term ability to secure finance.

Our soft credit check approach avoids this problem entirely, protecting your credit profile while still assessing your business's funding eligibility.

Types of No Credit Check Business Fianance Deals

Merchant Cash Advances Based on your business's credit and debit card sales, with repayments made through a small percentage of future card transactions. Doulton Bridging Finance offers advances between £10,000 and £500,000.

Invoice Factoring Helps avoid cash flow problems by releasing funds tied up in unpaid invoices, ensuring you can pay contractors and suppliers promptly.

Working Capital Finance Ensures your business has the funds needed for daily operations, providing financial backing to keep your business running smoothly.

Short-Term Business Loans Quick access to capital for immediate business needs, equipment purchases, or expansion opportunities.

Bridging Finance Specialist short-term funding for property purchases, development projects, or bridging gaps in your business cash flow.

How our merchant cash advance service works

Our merchant cash advance represents an ideal type of no credit check business finance. Instead of focusing on credit scores, we assess your business's recent debit and credit card transactions to determine affordability and create a tailored funding offer.

The Process:

1. Form: Quick online form taking just seconds to complete, followed up by an email from us.

2. Assessment: We review your recent card transaction history using soft credit checks only

3. Decision: Funding decision provided within 24 hours

4. Agreement: Fixed percentage of daily card sales agreed (typically 10-20%)

5. Funding: Money transferred directly to your business account within days

How Repayments Work:

Unlike traditional loans with fixed monthly payments, our system automatically deducts the agreed percentage from your daily card transactions. This means:

• Repayments fluctuate with your business performance

• Busy periods see higher repayments, quiet periods see lower amounts

• No risk of missed payments or penalty charges

• Collections stop automatically once fully repaid

Qualification Criteria

Minimum Requirements:

• Business trading for at least 6 months

• Monthly credit and debit card turnover of at least £10,000

• UK registered business address

• Regular card transaction processing

Industries We Serve:

• Retail businesses

• Restaurants and hospitality

• Professional services

• E-commerce operations

• Healthcare practices

• Beauty and wellness services

• And many more UK business sectors

Why chose Doulton Bridging finance?

Expertise in Alternative Finance With years of experience in bridging finance and alternative business funding, we understand the challenges facing UK businesses when traditional lenders turn them away.

Relationship-Based Approach Every client receives dedicated relationship management, ensuring you have expert guidance throughout the application process and beyond.

Competitive Terms Our rates and terms are designed to be fair and transparent, with no hidden fees or surprise charges.

Fast Turnaround From application to funding, we prioritize speed without compromising on service quality.

Industry Knowledge Our team understands various business sectors and can tailor solutions to meet specific industry requirements.

The application process

Step 1: Initial Enquiry Contact our team by phone, email, or through our online form to discuss your requirements.

Step 2: Quick Assessment We'll review your basic business information and recent trading performance.

Step 3: Formal Application Complete our streamlined application form with minimal paperwork required.

Step 4: Soft Credit Check We perform a soft credit check that won't impact your credit score.

Step 5: Decision Receive your funding decision within 24 hours of complete application submission.

Step 6: Documentation Simple documentation process with clear terms and conditions.

Step 7: Funding Money transferred directly to your business bank account, typically within 2-5 business days.

Frequently asked questions Deals

Will applying affect my credit score? No, we only perform soft credit checks that don't impact your credit rating.

What if my business has bad credit? Bad credit doesn't automatically disqualify your application. We focus on current business performance rather than past credit issues.

How quickly can I receive funding? Decisions are typically made within 24 hours, with funding available within days of approval.

Are there any hidden fees? No, all costs are clearly explained upfront with no hidden charges or surprise fees.

What happens if my card sales are lower than expected? Repayments automatically adjust based on actual card sales, protecting your cash flow during quieter periods.

Alternative finance solutions beyond merchant cash advances

Bridging Loans Our core specialty - short-term property finance for purchases, development, or refinancing needs.

Development Finance Funding for property development projects from planning through to completion.

Commercial Mortgages
Long-term property finance for business premises, investment properties, or portfolio expansion.

Asset Finance Equipment and vehicle financing to support business growth without impacting working capital.

Get your No Credit Check Business Loan deal today

Don't let poor credit history hold your business back from achieving its potential. Doulton Bridging Finance offers practical, flexible alternatives to traditional bank lending with:

• No impact on your credit score

• Fast approval decisions

• Competitive rates and terms

• Expert relationship management

• Funding from £10,000 to £500,000

Our experienced team is ready to discuss your business funding requirements and explain how our no credit check finance options could support your growth plans.

Contact Doulton Bridging Finance today for your confidential, no-obligation quote.

Ready to move your business forward? Our alternative finance solutions are designed to say "yes" when others say "no."usiness Loans: Unlock Your Growth Potential with London's Leading Finance Specialists

At Doulton Bridging Finance, we connect ambitious businesses with the best business loan deals in the UK. Whether you're scaling operations, acquiring new equipment, or seizing growth opportunities, our extensive network of 200+ specialist lenders ensures you secure competitive business financing tailored to your needs.

Why London Businesses Choose Our Business Loan Services

✓ Market-Leading Rates - Business loans from 6.9% APR across secured and unsecured options
✓ 200+ Approved Lenders - Unrivaled access to high street banks, alternative lenders, and private financiers
✓ Fast Funding - Average 10-day completion with same-day decisions available
✓ £10,000 to £25 Million - Flexible loan amounts for businesses at every stage
✓ No Impact Credit Search - Initial quotes without affecting your credit score
✓ London Market Expertise - Deep understanding of London business finance requirements

Secured Business Loans

• Loan amounts: £10,000 - £25 million

• Rates from: 6.9% APR

• Security: Business assets, commercial property, or personal guarantees

• Perfect for: Large investments, property purchases, major expansion projects

• Benefits: Lower rates, higher loan amounts, longer repayment terms

Unsecured Business Loans

• Loan amounts: £10,000 - £500,000

• Rates from: 8.9% APR

• No security required: Based on business performance and cash flow

• Perfect for: Working capital, equipment finance, short-term growth funding

• Benefits: Fast approval, no asset risk, flexible terms

Specialist Business Finance Options

Asset Finance - Equipment and machinery funding from £5,000 to £5 million
Invoice Finance - Unlock cash flow from outstanding invoices
Development Finance - Construction and refurbishment funding up to £300 million