Revolut business loans: does Revolut lend to UK limited companies?

Revolut Business doesn't offer business loans in the UK. As of October 2026, it has no business loans, overdrafts or credit cards, even though Revolut became a fully licensed UK bank in March 2026. So if your limited company banks with Revolut and needs to borrow, the answer is another lender, used alongside your Revolut account. You don't have to switch banks: online lenders like iwoca can read your Revolut account through Open Banking and lend to you while you keep banking where you are.

Straight from Revolut: its UK help centre says, "At the moment, we don't provide credit, credit cards, or overdrafts." We checked on 12 October 2026.

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What Revolut Business offers, and what it doesn't

Revolut Business is a business account and payments platform, and borrowing isn't part of it in the UK yet. Here's where each type of credit stands, with Revolut's own sources:

The same goes for a Revolut Business overdraft: there isn't one. That leaves the question most Revolut customers actually have, which is how to get finance without giving up an account that works for them.

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How to borrow when your company banks with Revolut

You can borrow from a lender other than your bank and keep your Revolut account exactly as it is. Plenty of limited companies already work this way, banking with one provider and borrowing from another. Online lenders suit this well, because they assess your company from your bank data rather than from a long relationship with a branch.

That makes an online lender a natural add-on to a Revolut account. When you apply, the lender looks at how money moves through your business account, and you can share that straight from Revolut through Open Banking or by uploading statements. Your Revolut account stays your day-to-day account for payments, payroll and suppliers.

What kind of finance to look for depends on the job. For gaps that open and close, like payroll due before customers pay or stock before a busy season, a flexible business loan you draw from as needed usually fits best. For a one-off purchase like a van or a machine, a fixed-term loan or asset finance spreads the cost over the asset's life.

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How a Flexi-Loan works alongside your Revolut account

An iwoca Flexi-Loan is a business loan with flexible repayment options, and you can apply for one without changing anything about how you bank with Revolut:

1. Tell us about your company. We lend to UK limited companies, including new ones.
2. Link your Revolut Business account through Open Banking, or upload statements instead. With Open Banking, there are no statements to download and send.
3. Get a decision, then draw what you need. A decision is made within 24 hours, but it might be longer depending on the complexity of the request.

Your limit can be anything from £1,000 to £1m. You draw what you need, pay interest only on what you've drawn, and can repay early at any time with no penalty, so you're not paying for money once the gap has closed.

Victoria Simpson, founder of VCare Group, uses hers to cover payroll while she waits for local authorities to pay: "It might be just a two or three day gap. But when you've got payroll running at that level, two or three days matters."

What to know before you apply:

• Terms: up to five years.
• Security: every new Flexi-Loan needs a personal guarantee from at least one director, though not every director has to sign. We don't take property as security at the start of the loan.
• Cost: your rate depends on your business, and upfront fees can apply. You'll see your offer, including the full cost, before you accept, and our business loan calculator shows what your own amount and term could cost.
• New companies: a company with no revenue yet can borrow up to £10,000.

So far, we've lent £5bn+ to 100,000+ UK businesses. A Flexi-Loan isn't the right fit if you don't want to give a personal guarantee, or if you're buying property or need finance tied to a specific asset over many years.

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Will Revolut offer business loans now it's a UK bank?

Revolut says its UK banking licence lets it add credit products, but it hasn't announced a date for business loans. If your company needs money now, waiting isn't a plan.

Revolut got its UK banking licence with restrictions in July 2024 and became a fully licensed bank on 11 March 2026. In its launch announcement, Revolut said the licence lays the foundation for "a broader suite of products, including credit". Its own blog lists personal loans and credit cards as on the way. Neither mentions a launch date for business lending in the UK, so plan around what's available today.

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Should you keep banking with Revolut?

Not lending isn't, on its own, a reason to leave Revolut. Choose your business account for how well it runs your day-to-day banking, and choose finance on its own merits.

If you trade across borders, for example, Revolut lets you exchange 25+ currencies at the interbank rate within your plan's allowance, which a lender won't replace. And borrowing away from your bank is increasingly common: in iwoca's SME Expert Index for Q2 2026, 75% of brokers agreed that high street banks are reducing their appetite for funding small businesses.

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Frequently asked questions

Can existing Revolut customers get a business loan from Revolut?

No. Revolut's UK help centre says Revolut Business doesn't provide credit at the moment, and it makes no exception for existing customers. To borrow, you'll need another lender.

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Do I need to move my business account away from Revolut to borrow?

You don't. A lender like iwoca can assess your company from your Revolut account through Open Banking or your statements, and your Revolut account carries on as your business account.

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Can I link my Revolut Business account to a loan application?

Yes. When you apply for an iwoca Flexi-Loan, you can link your Revolut Business account through Open Banking, or upload your statements if you'd rather.