Fund a specific business goal.
Business loans are useful when you want a lump sum for a defined project, purchase, refurbishment, or expansion plan.
Business Loans
Straightforward support for planned investment.
For stock, equipment, refurbishment, staffing, marketing, or expansion, a business loan can give you capital upfront with clearer repayment planning. N1 Payments helps businesses explore funding options alongside the payment services they already rely on.
Why a business loan
Fixed terms for growth you can plan around.
Understand the repayment path upfront.
Fixed repayment schedules make it easier to budget, plan cash flow, and understand the true cost before moving ahead.
Payments and funding in one conversation.
If your payment setup, terminals, EPOS, or online payments are part of the plan, we can help you look at the full commercial picture.
Common uses
Capital for the moments that move the business forward.
Equipment and terminals
Upgrade equipment, payment hardware, tills, or operational tools without waiting for spare cash to build up.
Stock and seasonal demand
Buy stock ahead of busier periods, launches, or supplier deadlines while keeping day-to-day cash flow protected.
Refurbishment and fit-out
Invest in premises, shop floor improvements, salon rooms, counters, seating, kitchens, or customer-facing spaces.
Staffing and expansion
Support hiring, training, new roles, or a second site when the opportunity is there but cash flow needs support.
Marketing and growth
Fund campaigns, local launches, online improvements, or customer acquisition without disrupting core operations.
Working capital
Create breathing room between supplier bills, project costs, payroll, and incoming customer payments.
Business loan
Best when you want a planned, structured facility.
A business loan can suit larger investments where you want a known amount, a defined purpose, and clearer repayment planning before committing.
Merchant cash advance
Better when repayments need to move with card sales.
If your business takes regular card payments and wants repayments to flex with trading levels, a cash advance may be a better route.
View cash advanceWant to explore business funding?
Tell us what you are planning and the N1 Payments team can help you understand which funding route may fit best.