What minimum turnover do I need to get a business loan?

There is no fixed minimum turnover — but turnover shapes how much you can borrow, so a modest turnover means a modest facility. Lenders size borrowing against evidenced income and affordability. A small but steady turnover can support a small, comfortable loan. Rather than a cut-off, most lenders relate the facility to turnover — a common frame is borrowing up to around a month's revenue, sometimes more with strong margins. So a lower turnover does not exclude you; it caps the sensible amount.

What minimum turnover do I need to get a

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No fixed floorturnover sizes it

Modest = modestsmall facility

Steady beats bigconsistency counts

Turnover sizes the loan

Rather than a cut-off, most lenders relate the facility to turnover — a common frame is borrowing up to around a month's revenue, sometimes more with strong margins. So a lower turnover does not exclude you; it caps the sensible amount.

Consistency over headline size

A steady £8,000 a month is often more fundable than a lumpy £20,000 that swings wildly, because a lender can rely on it. Affordability — can you comfortably meet the repayment from that income — is the real test. See how turnover affects the amount.

Applying

Work out a comfortable figure with the turnover affordability tool and apply online.

Frequently asked questions

Is there a turnover threshold to be eligible?

No universal one. Turnover determines the amount you can sensibly borrow rather than gating eligibility. A small, steady turnover supports a small facility.

Can I borrow more than my monthly turnover?

Sometimes, with strong margins and a good record, but lenders are cautious about lending well beyond monthly revenue because repayments then take a larger share of cash flow.