Business loans for Jersey and Guernsey companies.

Whether you are expanding a practice in St Helier, opening a second location in St Peter Port, or investing in your team, a business loan gives you a fixed sum to deploy against a clear plan. We connect Jersey and Guernsey businesses with lenders who understand the Channel Islands economy, tax environment, and regulatory landscape.

  • Fixed loan amount and fixed repayments make financial planning straightforward
  • Lenders who understand Jersey and Guernsey business structures and tax regimes
  • Faster decisions than traditional bank lending — many within 48 hours
  • Both secured and unsecured options available depending on your business profile
  • Start-ups and established businesses both considered
  • Whole-of-market search to find the most competitive rate for your loan size
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Commercial facility range

Typical amount £10,000 — £500,000
Typical term 1 — 10 years
Decision time Within 48 hours
Credit check Soft only (no impact)
Poor credit Options available
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No obligation. Soft credit check only.

What lenders ask of a Jersey business

  • Business registered or trading in Jersey or Guernsey
  • Minimum 12 months of trading history preferred (start-up options available)
  • Turnover and profit sufficient to support repayments
  • Both sole traders, partnerships, and limited companies eligible
  • Directors' personal credit history may be considered for smaller loans
  • Businesses in most sectors considered, including finance, hospitality, and retail

Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply. Unfamiliar with any of the terms above? Loan terms explained.

Ready to get started?

Two ways to begin — choose whichever suits you best.

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Soft credit check only

No obligation

Decision within 48 hours

How a business facility is arranged

01

Tell us about your business and the purpose of the loan

Share your trading history, annual turnover, and why you need the funds. No credit check at this stage.

02

We search for the right lender

We compare business loan options from Channel Islands banks and specialist lenders, matching the right product to your business profile.

03

Funds deployed into your business

Once approved, funds are typically released within 48 hours. You then make fixed monthly repayments over your agreed term.

Business borrowing questions

Not always. Unsecured business loans are available up to around £100,000 for established businesses. Larger amounts typically require a personal guarantee or security over an asset.

Some lenders consider start-ups with a strong business plan and the director's personal credit profile. It is harder than for established businesses, but possible.

A business loan provides a fixed sum repaid over a set period. An overdraft is a revolving facility you draw on as needed. Loans suit planned investment; overdrafts suit short-term cash flow needs.

Generally yes, but you should confirm with your accountant. Jersey's corporate tax regime differs from the UK and your specific situation will affect deductibility.

Many business loan decisions are made within 48 hours of application. Complex or large loans may take longer. We will give you a realistic timeline when you enquire.

Other commercial finance

For Your Business

Working Capital Loans

Keep your business moving when cash flow is tight.

Learn more

For Your Business

Business Asset Finance

Acquire the assets your business needs to grow.

Learn more

For Your Business

Commercial Property Finance

Own your business premises and build long-term value.

Learn more

Ready to talk about the business?

Complete a full application online or request a call back and we will do the searching for you.

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No obligation. Soft credit check only.

Secure application

Apply Online

Complete your full loan application below. Your information is handled securely and sent directly to our team.

Personal Details

Are you a homeowner?

Loan Required
Existing Financial Commitments

Other loans (include all personal loans, car finance, credit cards, etc.)

Have you had any CCJs, defaults, or bankruptcy in the last 6 years?

Employment & Income
Declaration

Best Loans Jersey is an introducer. We will pass your details to regulated lenders and brokers who may contact you with offers. We do not charge you for this service. Lenders may charge arrangement fees. Lending is subject to status, affordability, and eligibility.

Free, no-obligation

Request a Call Back

Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.

No obligation. No credit check. We will not share your details with third parties without your permission.