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Our loans are simple, clear and transparent. Our interest rates start as low as 1.8% per month. Customers make monthly repayments and we charge an administration fee which starts at just 2.5% of your total loan value.

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  • Month
    Starting Loan
    Monthly repayment

7 monthly repayments of:


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Representative example: Borrow £10,000 for 12 months at 44.83% APR (Incl. Fees) representative APR. Total amount repayable is £12,452.64. The actual rate may vary based on individual circumstances.

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Frequently asked questions

We're sure to have the answers to your questions.


What is Lendoe?

Lendoe is a social lender with a particular focus on today’s under-served small business owner. The origins of the business began when we helped raise £220,000 to save a church building from repossession. Since then the team have gone on to disburse just over £600,000 in loans to small businesses across London and other urban cities within the UK.

How is Lendoe different to other lenders?

Our mission is to serve the under-served. As a result, we take the time to really understand our customers and their current situation allowing us to make informed decisions.

What are your loan terms?

We offer business loans between £5,000 to £20,000 for up to 12 months. We charge a monthly repayment fee which consists of interest and the principal (the original amount borrowed).

How do I know if I’m Eligible?

We can only lend to Limited Companies and Limited Liability Partnerships. Our typical requirements are:

  • The business must have a turnover of £35,000 turnover per annum
  • 6 months trading history
  • Have an operating presence in the UK.

How do I apply?

By . Our application form takes less that 5 minutes!

How long is the process?

The loan process typically takes 14 working days however this may vary on a case by case basis.

How does the process work?

It's a no hassle 4 step process which goes a little something like this:

  • Apply via our website by
  • Receive a provisional offer – This may include a phone call from someone in the team.
  • Send in your bank statements, VAT returns & projections (if available).
  • Pass our checks, sign your agreement and get funded.

Once complete, all you have to do is ensure there is enough money to make your monthly repayment, top up when you need more and repeat! It’s really that simple.

What are your rates?

Rates start as low as 1.8% per month. How much you are charged will depend on various factors like your business's credit score, level of affordability and other factors such as your personal credit score.

Are there any additional fees?

Yes, we charge an administration fee which starts at 2.5% of your loan amount. This fee is charged upfront and will be deducted from your loan before drawdown.

What happens if I pay late or miss a repayment?

If you pay late you may incur a fee. This will depend heavily on how late you pay and whether or no you’ve informed your relationship manager. For more information on our late fee schedule please contact us at

In addition, if you find yourself in a situation that prevents you from making your monthly repayment, please contact us to make us aware of your situation.  We understand that your business may not always perform as well as you expect, as a result we ask that you contact us immediately so we can propose plans and payment structures that suit you.

What happens if I decide to repay early?

We will only charge you early repayment fees within the first three months of each loan. Please find some examples below:

Example 1

You are settling your loan in full in month two of your twelve month loan agreement. You’ve only paid your first loan repayment and are now fourteen days away from your second repayment and forty-four days away from your third loan repayment.

Because you are settling your loan within the first three months, we will charge you the remaining interest you were expected to be charged on your next two loan repayments.

Example 2

You are settling your loan in full in month six of your tweleve month loan, you are fourteen days away from your seventh repayment date. You inform us that you would like to settle your loan in full. We give you the option to settle your loan immediately or settle your loan on your next repayment date.

If you decide to settle immediately, we’ll only ask you to pay the interest you’ve incurred up until the next working day. Alternatively, you may decide to settle your loan on your next repayment date. In that case we take the full expected monthly repayment as usual and close your loan.

Still confused? Contact us at

Can I top up?

Yes, you’ll be required to apply again just like you would if you were taking a new loan however the process is likely to be much faster as we’ll already have all of your details.

Do you carry out credit checks?

Yes, we need to do so to lend responsibly. We work with different credit reference agencies to collate all the information we require to make an informed decision on your loan.

How will you use my data?

We collect and hold personal information about you so that we may:

  • Provide you with our products and services;
  • Review and meet your ongoing needs;
  • Provide you with information we believe may be relevant or of interest to you;
  • Inform you about other products or services we offer;
  • Send you information about special offers or invite you to events;
  • Consider any concerns or complaints you may have; comply with relevant laws, regulations and other legal obligations;
  • Help us improve the products and services offered to our customers to enhance our overall business.

We may use and disclose your personal information for any of these purposes. We may also use and disclose your personal information for secondary purposes which are related to the primary purposes set out above, or in other circumstances authorised by the Data Protection Act. Sensitive information will be used and disclosed only for the purpose for which it was provided (or a directly related secondary purpose), unless you agree otherwise or an exemption in the Data Protection Act applies.

Is my personal and business data safe with you?

Lendoe abides by the Data Protection Act 2018 (‘Data Protection Act’) and all other relevant UK and European data protection and privacy laws and complies with rules laid down by the Financial Conduct Authority (FCA). 

All data electronically transfered between you and Lendoe is encrypted, using strong forms of encryption available commercially. We are committed to keeping your data safe.

Application Process


Use the sliding bars to let us know how much you require and how long you require it for.

Personal details form

Please state your full name and personal details including your personal company email. Please ensure your personal details appear as they do on your photo ID and proof of address as this information will be cross referenced with other secondary data sources.

Business Information

Please re-enter the amount of finance you would like again along with your company name and details. All this information will help us to correctly identify your business against companies’ house records and different credit reference agencies. 

© 2020 Lendoe.

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