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
Quick facts
No obligation. Soft credit check only.
How it works
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.
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.
Funds deployed into your business
Once approved, funds are typically released within 48 hours. You then make fixed monthly repayments over your agreed term.
Who can apply?
- 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.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common 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.
You may also be interested in
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Working Capital Loans
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For Your Business
Business Asset Finance
Acquire the assets your business needs to grow.
For Your Business
Commercial Property Finance
Own your business premises and build long-term value.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
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.
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We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
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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.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.