Tide Business Loans

Tide Business Loans logo
  • Tide does not provide loans directly, but can match you with relevant partners. Find out what options are available and whether it could suit your business.
See Deal Browse Tide Business Loans FAQs

Compare Tide Business Loans

  • Tide Start Up Business Loans logo
    Broker

    Tide Start Up Business Loans

    • Start Up Loans is a credit product powered by the British Business Bank and backed by the British Government
    • It consists of a personal loan for business purposes that aims to support the creation and growth of new businesses
    • Minimum Turnover
      No minimum
    • Available Amounts
      £500 to £100,000*
    • Available Terms
      1 to 5 years

Compare similar products from other providers

  • Nationwide Finance Business Finance logo

    Nationwide Finance Business Finance

    • Nationwide Finance help 35,000 businesses get finance each year
    • Direct funder - not a broker
    • Same day decision, funds within 24 hours
    • Minimum Turnover
      No minimum
    • Available Amounts
      £8,000 to £500,000
    • Available Terms
      1 to 5 years
  • Funding Circle logo

    Funding Circle

    • Your business must have a minimum of 12 months’ trading history
    • Short & long term business loans from £10,000 to £500,000 at fixed rates
    • Spread costs over 3 months with FlexiPay line of credit from £2,000 to £250,000 - only pay when you use it - simple flat fee
    • Rated 'Excellent' on TrustPilot - apply online in minutes, quick decisions, UK-based support team
    • Minimum Turnover
      £25,000 p.a.
    • Available Amounts
      £10,000 to £500,000
    • Available Terms
      6 months to 6 years
  • Fleximize logo

    Fleximize

    • YOUR BUSINESS MUST BE A LIMITED COMPANY WITH 6+ MONTHS' TRADING
    • Fast, hassle-free business loans of up to £500,000 for almost any purpose
    • Industry-leading flexibility – top-ups, repayment holidays, and penalty-free overpayments available on all loans
    • Award-winning customer service – rated 4.9/5 on Trustpilot
    • Minimum Turnover
      £120,000 p.a.
    • Available Amounts
      £10,000 to £500,000
    • Available Terms
      3 months to 5 years
  • Capify logo

    Capify

    • Your business must have a minimum of 1 years trading history.
    • Superfast lending. Receive your funds the following day
    • All credit profiles are considered. Loans for any business purpose
    • Easy application process. Get conditionally approved in just 2 minutes
    • Minimum Turnover
      £120,000 p.a.
    • Available Amounts
      £5,000 to £500,000
    • Available Terms
      3 to 18 months
  • iwoca logo

    iwoca

    • YOUR BUSINESS MUST BE A LIMITED COMPANY WITH A MINIMUM OF 6 MONTHS TRADING HISTORY
    • Flexible finance for small businesses from £1,000 to £500,000
    • No long term commitments and flexible repayments to fit for your business
    • Apply online in minutes for a decision (some decisions may take up to 24 hours)
    • Minimum Turnover
      £50,000 p.a.
    • Available Amounts
      £1,000 to £500,000
    • Available Terms
      up to 24 months
  • YouLend logo

    YouLend

    • Your business must take on a minimum of £3,000 per month of card sales
    • YouLend is Europe's largest revenue finance provider - working with eBay, Shopify and Just Eat
    • YouLend funds over 5,000 UK SMEs every month including sole traders, partnerships and limited companies
    • Apply online in minutes, for a decision within 24 hours
    • Minimum Turnover
      £3,000 card sales per month
    • Available Amounts
      £3,000 to £1,000,000
    • Available Terms
      3 to 18 months
  • Love Finance logo
    Broker

    Love Finance

    • Your business must be a ltd company with 2+ years trading; and 1 director must be a UK homeowner
    • Love Finance is a lender and broker
    • Get a decision in minutes via a simple online form
    • Get funding within 24 hours
    • Minimum Turnover
      £25,000 p.a
    • Available Amounts
      £5,000 to £500,000
    • Available Terms
      3 months to 5 years
  • 365 Business Finance logo

    365 Business Finance

    • Your business must process credit and debit card transactions to apply for this product
    • A flexible business funding alternative
    • Cash advanced against card transactions
    • Pay back an affordable % of your card transactions
    • Minimum Turnover
      £10,000+ card transactions per month
    • Available Amounts
      £10,000 to £300,000
    • Available Terms
      4 to 18 months
  • Swoop Funding logo
    Broker

    Swoop Funding

    • Your business must have a minimum of 1 years' trading history
    • Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
    • Free access every type of finance including the Recovery Loan Scheme
    • Online management allows you to find funding opportunities and track applications
    • Minimum Turnover
      £100,000 p.a.
    • Available Amounts
      £1,000 to £10,000,000
    • Available Terms
      3 months to 6 years
  • Funding Xchange logo
    Broker

    Funding Xchange

    • Access 70 lenders from one simple funding request
    • Easily compare the choices available, including RLS options
    • Apply with confidence, no impact on your credit score
    • Minimum Turnover
      £100,000 p.a.
    • Available Amounts
      £1,000 to £500,000
    • Available Terms
      3 months to 5 years
  • Barclays logo

    Barclays

    • Flexible borrowing for your business - unsecured (up to £100,000) and secured loans available
    • Fixed interest rates available on all loans, plus variable interest rates for loans over £25,000
    • Subject to application, financial circumstances and borrowing history. Eligibility criteria applies.
    • Minimum Turnover
      No minimum
    • Available Amounts
      From £1,000
    • Available Terms
      1 to 20 years
  • Cubefunder logo

    Cubefunder

    • Only available to Limited Companies in England and Wales with 3+ months' trading
    • Fast and Flexible funding from £5,000 - £100,000 for Limited Companies within England and Wales
    • No penalties for Late payments or Early repayment
    • Apply and receive funds within 48 hours
    • Minimum Turnover
      £50,000 p.a.
    • Available Amounts
      £5,000 to £100,000
    • Available Terms
      3 months to 1 year
  • Previse logo

    Previse

    • Previse Instant Advance is a fast cash flow facility, designed specifically to help businesses grow
    • Completely unsecured, no personal guarantees or security required
    • Available with a variety of short term lengths
    • Minimum Turnover
      £250,000 p.a.
    • Available Amounts
      £25,000 to £2,000,000
    • Available Terms
      3, 6 or 9 months

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Last updated on 28 June 2022.

Unlike some other business banking service providers, Tide doesn’t provide business loans directly. Instead, it matches you with partners who can potentially provide suitable credit solutions.

Available through Cashflow Insights in the Tide App, these credit solutions are chosen for your business based on your activity, and come in the form of business loans, government-backed Start Up loans and cash advances.

How can you apply for a credit solution through Tide? Who is eligible? And how much funding can you access? This page will answer those questions and more.

What is Tide Bank?

Tide is a financial services company that offers business bank accounts (provided by ClearBank) to more than 400,000 freelancers, small businesses, and scaling businesses.

It offers a variety of accounts, including a free option, Plus (Fees apply), and Cashback (Fees Apply)

From the Tide app, you can manage expenses, send pay and track invoices, and sync with your accountancy software.

» COMPARE: Business bank accounts

What products and services does Tide offer?

All Tide’s business loans services are provided by partner lenders through its Cashflow Insights platform.

Business loans

Business loans are a form of long-term funding solution that you could use to improve cash flow or grow your business. Tide’s partners offer a range of affordable options and flexible repayment terms depending on your needs.

» COMPARE: Business loans

Start Up Loans

These government-backed loans currently allow every owner in your business to potentially borrow £25,000 (up to a maximum of £100,000 per business) at a fixed interest rate of 6% per year.

You can currently choose to repay the loan over anything from one to five years.

» COMPARE: Start up loans

Business cash advance

A business cash advance is a short-term funding solution that you repay as an agreed percentage of your card payments.

If you experience any uncertain trading periods, it may be possible to get some flexibility on your repayments. A business cash advance could be used to invest in things like additional stock or new equipment.

Other partner products

You could also apply for revenue-based finance loans, equity finance, and grant funding through Tide.

Can I get a small business loan with Tide?

Tide offers a variety of loans through its banking partners that can be tailored to the size of your business. It also allows you to access a Start Up Loan, which may be a suitable source of funding for small businesses.

Features of Tide business loans

  • Provided by Tide’s partners through Cashflow Insights in the Tide app
  • Tailored to your circumstances and based on your business activity
  • You can view your repayments within the Tide app
  • Various short term and long term loans available, as well as government-backed schemes

How do I apply for a Tide loan?

If you’re already a Tide customer, you can access Cashflow Insights from within the app. Cashflow Insights is both a credit solutions provider and a ‘personal business assistant’ that you can use to gain insights into, and control, your finances, as well as receive balance predictions 30 days in advance.

It’s this cash flow data that Tide uses to match you to the most suitable and affordable credit options for your needs.

To use Credit Solutions, just log into the Tide platform and select ‘Solutions’ to be automatically presented with all the finance options you’re eligible for.

If you’re not a Tide customer, you can connect any business current account to the Tide platform using Open Banking. Tide can then analyse your account activity, and provide insights and recommendations.

What do Tide customers say?

On Trustpilot, Tide has been rated 4.1 out of 5 based on 11,039 reviews.

On the App Store, the Tide: Business Bank Account has been rated 4.8 out of 5 based on 55,200 reviews. On Google Play, it has been rated 4 out of 5 based on 11,600 reviews.

This information is correct as of 21 June 2022.

Conclusion

While Tide doesn’t offer its own business loans, it does use its Cashflow Insights platform to match you with credit solutions from a variety of partners.

As these credit solutions are based on your financial data, you should be eligible for every single one.

It can analyse your cash flow data to gain insights and give you recommended actions that could help you manage your finances.

Using Open Banking, Tide can analyse the data from any business account, once given permission, to come up with personalised forecasts and tailored funding options.

Tide Business Loan FAQs

Does Tide lend money?

Tide doesn’t lend money directly to businesses. It uses the financial activity in your bank account to match you with the most appropriate partner lenders for your needs.

Is my Tide account a business account?

Yes, Tide is a business bank account that’s provided by ClearBank, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.

Services offered by this provider may change over time. Always check Ts&Cs.