Small, accessible funding solutions perfect for startups, entrepreneurs, and small businesses ready to take the next step.
Designed specifically with startups and small businesses in mind
Get a decision within 24 hours and funding shortly after approval—perfect for startups that need capital quickly
Less stringent eligibility criteria compared to traditional business loans, making them ideal for new businesses
Build your business credit history with manageable repayments, paving the way for larger financing options as your startup grows
Why microloans are the ideal funding solution for your new business venture
Start with smaller amounts of capital as you validate your business model, reducing personal financial risk during the crucial early stages.
Our microloan application process requires less extensive documentation than traditional loans—ideal for startups with limited operating history.
Quick approval and funding help you seize time-sensitive opportunities and get your products or services to market faster than competitors.
Access to our startup advisors who can provide guidance on business growth strategies and financial management alongside your microloan.
Fuel your startup's growth with targeted small business funding
Fund the development of your initial product prototype or minimum viable product to test with early customers and validate your business concept
Purchase your first inventory stock to fulfill initial orders, or produce small batches of products to test market demand before scaling up
Acquire basic equipment, tools, or technology needed to launch your business operations or improve your production capacity
Fund your initial marketing campaigns, website development, digital advertising, or promotional materials to attract your first customers
Cover day-to-day operational expenses during your startup phase until your business establishes consistent revenue streams
Pay for necessary permits, licenses, certifications, professional memberships, or legal services required to establish your business
Transparent pricing and flexible terms designed for early-stage businesses
| Loan Feature | Details |
|---|---|
| Loan Amount | £1,000 - £25,000 |
| Interest Rate | From 5.8% APR (Representative example) |
| Loan Term | 6 months - 3 years |
| Decision Time | Within 24 hours |
| Startup Eligibility | Available for businesses under 12 months old with strong business plan |
| Fees | 2.5% arrangement fee, no early repayment penalties |
*Representative Example: £15,000 at 5.8% APR over 2 years with monthly repayments
Apply NowStartup-friendly requirements to help you access funding
A solid business plan demonstrating your market understanding, revenue model, and clear use of funds
Minimum personal credit score of 580 for business owners (lower than traditional business loans)
No minimum time in business required—ideal for startups and brand new ventures
See how our microloans have helped entrepreneurs turn ideas into thriving businesses
Eco-Friendly Packaging Startup
"With just a £10,000 microloan, I was able to develop my first range of biodegradable packaging products and secure my initial manufacturing run. Within 18 months, we were supplying to over 40 local businesses and have since secured larger funding to scale nationwide."
Mobile App Developer
"My software startup needed funds to develop our first app. The £15,000 microloan gave us the runway to build and launch our MVP. The quick approval process was critical—we were able to hire a developer and get to market in just 4 months. We've now raised a seed round and have 50,000+ active users."
Artisan Food Producer
"As a first-time entrepreneur with just a concept and recipe, I couldn't get traditional financing. Integra's £8,000 microloan helped me purchase equipment, secure a small production space, and get my artisanal food products into local farmers' markets. I repaid the loan in 18 months and now have my products in specialty shops across three counties."
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about microloans for startups
Microloans are smaller in amount (up to £25,000), have shorter terms (typically up to 3 years), faster approval processes (often within 24 hours), and more flexible eligibility requirements. They're specifically designed for startups, micro-businesses, and entrepreneurs who may not qualify for traditional bank financing.
No, unlike traditional business loans, our microloans are available to businesses with no trading history. We evaluate applications based on your business plan, market potential, and personal financial situation rather than requiring extensive business financial records.
For startups, we typically require a detailed business plan, financial projections, personal identification, proof of address, and personal bank statements. If your business is already operating, we'll also ask for any available business financial information, but extensive records aren't mandatory.
Yes, responsibly managing and repaying your microloan is an excellent way to establish or improve your business credit profile. We report payment activity to credit bureaus, helping you build a credit history that can make it easier to secure larger financing in the future as your business grows.
Beyond just funding, we provide microloan recipients with access to our startup advisors, business planning resources, financial management tools, and networking opportunities with other entrepreneurs. Our goal is to support your overall business success, not just provide capital.
