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Business Expansion Loan
Financing sized around a specific growth plan — a new location, a new product line, additional staff, or entry into a new market.
Funding to grow a business that is already working — a second location, a bigger space, more staff, or new equipment to take on more work.
Apply NowWho it's for
An owner with proven demand they cannot currently serve, who needs capital to meet it.
How it works
- 1You show what the business does now and what the expansion is expected to add.
- 2The lender weighs your trading history alongside the plan.
- 3Funds are released for the expansion, sometimes in stages tied to milestones.
- 4Repayment is normally over several years, matched to the payback of the growth.
What to watch out for
Expansion costs almost always run over and revenue almost always arrives later than planned. Borrow with room for both.
At a glance
- ●Sized to your growth plan
- ●Can be structured as a term loan or line of credit
- ●Underwriting considers your growth projections
- ●For businesses with a track record ready to scale
Common questions
How long should I have been trading?
Most expansion lenders want to see a track record — commonly two years or more. If you are newer, startup financing or an SBA route may fit better.
Related programmes
View all- SBA LoansGovernment-backed financing with competitive rates and longer terms.
- Invoice Financing / FactoringTurn unpaid invoices into cash today instead of waiting 30–90 days.
- SBA 7(a) LoansThe SBA's main programme — up to $5 million for almost any business purpose.
- SBA 504 LoansLong-term fixed-rate money for buildings and heavy equipment — 10% down.
- Purchase Order FinancingFunding to fulfill a large order before you get paid.
- Revenue-Based FinancingRepay as a percentage of revenue instead of a fixed payment.