Lender review · Short-term business loan
TFG Capital
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09167389
- Methodology Public
Doncaster-headquartered principal lender running short-term commercial loans for established UK Ltd companies, with sister entities for property-backed and follow-on deals. Direct decisioning, broker-distributed. Sweet spot is 3 to 18-month tenor on cases mainstream banks decline for sub-2-year trading or recent CCJs.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Short-term business loan
- Ticket size
- £25k to £500k
- Typical rate
- 1.5% to 3% per month
- Decision time
- 24 to 72 hours
- Soft search at quote
- No
- Limited companies only
- Yes
- FCA regulated
- No
- Companies House
- 09167389
- Founded
- 2014
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How TFG Capital works
TFG Capital operates as a short-term business loan provider in the UK SMB market. Doncaster-headquartered principal lender running short-term commercial loans for established UK Ltd companies, with sister entities for property-backed and follow-on deals. Direct decisioning, broker-distributed. Sweet spot is 3 to 18-month tenor on cases mainstream banks decline for sub-2-year trading or recent CCJs.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £25k to £500k band, decisions land within 24 to 72 hours, and the published rate range is 1.5% to 3% per month. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where TFG Capital fits best: 3 to 18-month commercial loans, decline-from-mainstream ltd applicants, property-backed short-term lending. Where it does not fit: long-tenor term debt, sole traders and partnerships, rate-shopping borrowers.
Pricing examples
Worked examples using TFG Capital's published rate range (1.5% to 3% per month). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a TFG Capital quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Long-tenor term debt; Rate-shopping borrowers.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: 3 to 18-month commercial loans; Decline-from-mainstream Ltd applicants; Property-backed short-term lending.
Pros
- + Principal capital across multiple sister entities for repeat borrowers.
- + Will entertain prior CCJs and light credit-history adverse cases.
- + Direct underwriter contact on live deals.
- + Same-day to next-day decisions.
Cons
- − Per-month rate quoting hides total cost.
- − Short tenor means refinance pressure on longer-term needs.
- − Ltd-only; sole traders and partnerships excluded.
Best for
- · 3 to 18-month commercial loans
- · Decline-from-mainstream Ltd applicants
- · Property-backed short-term lending
Weak at
- · Long-tenor term debt
- · Sole traders and partnerships
- · Rate-shopping borrowers
When to use TFG Capital
Use TFG Capital when
Your application matches the best-fit profile: 3 to 18-month commercial loans, decline-from-mainstream ltd applicants, property-backed short-term lending. The published ticket range (£25k to £500k) covers your ask, the decision speed (24 to 72 hours) fits your cash-gap timeline, and the rate range (1.5% to 3% per month) is acceptable to you given your credit profile.
Do not use TFG Capital when
Your profile sits in the weak-at list: long-tenor term debt, sole traders and partnerships, rate-shopping borrowers. TFG Capital will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using TFG Capital as a screen.
FAQs
What is the minimum trading time for TFG Capital?
TFG Capital typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does TFG Capital require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. TFG Capital is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For short-term business loan specifically, expect a PG to be requested.
How fast does TFG Capital fund?
TFG Capital quotes 24 to 72 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from TFG Capital?
TFG Capital's published range is 1.5% to 3% per month. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if TFG Capital declines me?
If TFG Capital declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. TFG Capital scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.tfgcapital.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just TFG Capital.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.tfgcapital.co.uk.