Are your business loans costing more than they should?
Most UK business owners don't know the true cost of their loans. An MCA with a 1.3 factor rate can cost 35–50% APR. Multiple loans from different lenders often mean you're paying more than you need to. Free tools and plain-English guides to help you understand your options.
Free · Independent · Not financial advice · FCA-authorised brokers only
Where would you like to start?
I have multiple business loans
Answer 5 questions to find out if consolidation makes sense for your situation
I want to know what my loans are costing
Enter your loans and see an instant estimate of potential savings
I have a merchant cash advance
Understand what factor rates really mean in pounds — and what your options are
I just want to understand my options
Plain-English guide to spotting overpaying and what you can do about it
Start here: should you consolidate?
Answer 5 questions and get an instant assessment — including whether you should get free advice first.
Should I consolidate my business loans?
5 questions — instant result
How many separate business loans or credit facilities do you have?
Include term loans, overdrafts, merchant cash advances, and credit cards used for the business.
Are you currently struggling to make repayments on any of these?
Missing payments, paying late, or using one credit line to cover another.
Do you think you are paying more in interest than you should be?
Higher-rate products like merchant cash advances, overdrafts, or older term loans often have room to improve.
Are multiple repayment dates or different lenders causing admin problems?
Missing a payment due to confusion is costly. One loan, one date, is simpler.
Are any of your existing loans nearly paid off (within 6 months)?
Consolidating a loan that is nearly done can cost more in early repayment charges than you save.
Answer all questions above to see your result.
This tool provides general guidance only — not financial advice. Business loans are regulated by the FCA. Always use an FCA-authorised broker before making decisions about your debt.
Business loan guides
All business loan guides →Are You Overpaying on Your Business Loans?
Most business owners don't know their true loan cost. This guide shows you the signs and your options.
My Business Has Too Many Loans — What Are My Options?
Four honest options when business debt is getting on top of you.
What Is Business Debt Consolidation?
Plain-English guide to how consolidation works, what debts qualify, and whether it makes financial sense.
What Is a Merchant Cash Advance Really Costing You?
Factor rates, APR equivalents, and worked examples. Understand what you actually signed up for.
Talk to a specialist broker
If you think you're overpaying, an FCA-authorised commercial finance broker can check your options across multiple lenders — without affecting your credit score at this stage.
Get a free assessment
We'll share your details with FCA-authorised commercial finance brokers who specialise in business debt consolidation. No obligation.
Business loans are regulated by the FCA. LoanLens is an information and tools service — we don't provide financial advice or arrange credit. Any broker we connect you with will be FCA-authorised. If you're struggling to make repayments (not just looking to save money), contact Business Debtline for free, independent advice: 0800 197 6026 or businessdebtline.org.
LoanLens provides information and educational tools to help you understand your business finance options. We do not provide financial advice. Calculator results are estimates based on indicative market rates — they are not quotes or guarantees. Actual costs depend on your business circumstances, sector, and provider terms.