Funding for the self-employed
Loans designed for UK sole traders. We look at how you trade today, not how your business is incorporated.
Business funding made simpler
- £5,000 – £100,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 48 hours
- Soft-search eligibility check
At a glance
About Sole Trader Loans
Sole traders are often overlooked by mainstream lenders because there's no limited company behind them. We work with funders who specialise in self-employed lending — looking at HMRC records, bank statements and trading patterns to make fair decisions.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
No limited company needed
Funding based on your personal trading activity.
Flexible documentation
Bank statements and tax returns are usually enough.
Soft search
The initial eligibility check has no impact on your credit score.
Personal service
Dedicated funding manager from application to drawdown.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK-resident self-employed individual
- Trading 6+ months
- Verifiable monthly income
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore sole trader loans?
Check eligibility in around 60 seconds with no impact on your credit score.