Smart business loans in Jersey & Guernsey

In-house experts to guide you through the process

Receive funds within 24 hours of approval

Business & Commercial Loans

Looking to upgrade your infrastructure? Or help cash flow during a difficult month? Whether you need to invest in equipment, hire new staff or expand your operations, Smart Money’s business finance options give you the funds you need to take your business to the next level. We offer straightforward, hassle-free commercial finance, with unsecured business loans up to £100k, and higher amounts if secured.

Unlock the potential

Get the freedom to grow your business at the pace that suits you. Straightforward access to flexible funding solutions that are designed to fit modern, fast-moving businesses.

Fast and fair

Smart Money works with businesses in Jersey & Guernsey to find the commercial loan that best suits each company’s unique needs. And all without the fuss, deliberation and lengthy applications that traditional banks impose.

Flexible repayments

Simple and manageable Smart Money business loan payments ensure minimum impact on your cash flow. So you can forget about the finance and focus on the business.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our Channel Islands-based business lending experts are on hand to answer any questions you may have, quickly and with discretion, and guide you through the application process.

How can a Smart Money Business Loan help?

Business Asset Finance

Investing in new equipment, hardware, machinery or vehicles? Business Asset Finance can be a smart solution to grow your business fast, without large upfront costs.

Marketing Costs

With our flexible financing solutions, investing in your marketing can pay off. We can help you boost the profile of your business, the Smart way.

Legal Fees

Access legal expertise when you need it, without compromising cash flow. Our finance options allow you to focus on your business, rather than worrying about legal fees.

Commercial Loans

Don’t let a lack of funds slow your business down. Our commercial loan solutions can help you get the capital you need, so you can accelerate future growth, today.

Cash Flow

All businesses go through difficult times. Don’t let your business flounder because of irregular cash flow. Let us help get you back on track.

Equipment Upgrades

Upgrade your equipment or technology and stay ahead of the game with a Smart business loan. Our flexible financing options help you keep your competitive edge.

Fleet Finance

Fast-track your way to a modern fleet with a Smart business loan and start experiencing all the benefits of newer, more efficient and more professional vehicles straight away.

Insurance Premiums

Get the insurance cover you need, without the financial pressure of upfront costs. Smart business loan solutions can help you spread the cost.

Business Debt Consolidation

Simplify your business finances, consolidate business debt and reduce overall interest payments with one manageable monthly payment with Smart Money.

Business Restructuring / Refinance

Don’t let worries about cash flow hold you back from making the changes your business needs. Take your business to the next level with a Smart business loan.

Office Refurbishment

Worried about office refurb costs? Don’t be. Our business loans can help transform spaces, impress clients and attract talent. Spread the cost over time and save cash flow for other needs.

Plant & Machinery

Upgrade your plant and machinery worry-free with a Smart business loan. Keep your business running smoothly and take efficiency and productivity to the next level.


We’re here to help.

What is Business Finance?

Business finance is a way to obtain funding for your business needs, whether it’s for equipment, stock or to support cash flow. The interest rate of a business loan can vary depending on a number of factors such as the type of loan and your business credit score. Generally, secured loans have lower interest rates than unsecured loans. At Smart Money, we provide unsecured business loans up to £100k and higher lending for secured business loans.

What can I use a Commercial Loan for?

A commercial loan is a loan designed for businesses that need to finance a specific project, purchase or expansion. It can be used for a range of purposes, including equipment upgrades, office refurbishments or purchasing real estate to expand your operations.

The advantages of a loan include access to capital to fund growth, flexibility in terms of repayment options and the ability to build credit for your business.

What type of business can you fund?

At Smart Money, we believe in helping any type of business in Jersey to thrive, regardless of your size or industry. Whether you’re in hospitality, retail, media or technology, a Smart business loan can help you grow your business, take advantage of new opportunities and stay competitive in your market. Apply now to see how we can unlock the future potential of your business today.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.