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Think Business Loans Review: How do they compare?

Think Business Loans


Did you know that Think Business Loan can connect you to a lender that suits your business needs?

Or that with their lenders, you could borrow up to £1,000,000 unsecured?

This review will tell you everything you need to know about Think Business Loans, including who they are, what they could offer you and what their customers are saying.

What’s in this review?

Let’s dive in and find out more.

Who is Think Business Loans?

Think Business Loans

Founded in 2012, Think Business Loans claim to be the UK’s leading small to medium enterprise lending specialist, who use state of the art financial technology to help customers find their perfect loan.

As winners of the iwoca gold broker of the year for 2016 and 2017, Think Business Loans boast an 85% success rate and can compare over 200 lenders to find you a perfect match.

Costs & Fees

As Think Business Loans are a broker, not a direct lender, they can offer their customers a wide range of solutions for businesses with most needs.

This includes asset financing, commercial mortgages and working capital loans.

It also means that you can use Think Business Loans to find the best rates available, with some loans having an APR as low as 0.20%, or as high as 3.50%, depending on the lender and the type of loan.

Think Business Loans claim that you can register for their service for free. But, there are brokerage fees which are generally bespoke to your company’s circumstances and requirements.

Type of loan Minimum turnover Borrow amount Available terms Rates
Asset Financing £50,000 £25,000+ Six months to seven years 1.34%
Bridging Loans Revenue generating £250,000+ One month to 30 years 0.44%
Commercial Mortgages Revenue generating £250,000+ Five years to 30 years 1.80%
Credit Lines £50,000 £25,000 to £500,000 One year to Five years 0.20%
Invoice Financing £50,000 £50,000 to £10,000,000 No minimum
Merchant Cash Advance £50,000 £25,500 to £500,000 Three months to three years
Property Development Finance Profit-generating £250,000+ One month to 30 years 3.50%
Secured Loans £50,000 £25,000 to £10,000,000 Five years to 30 years 1.20%
Tax Loans £50,000 £25,000 to £500,000 Three months to five years
Unsecured Loans £50,000 £25,000 to £1,000,000 Three months to five years 1.90%
Working Capital Loans £50,000 £25,000 to £1,000,000 Three months to five years 0.20%

Core Services & Offerings

As they can provide loans from many different lenders, customers can benefit from access to many different loans at once thanks to the Think Business Loans financial platform.

Here are a few of the loans and services that you could get from Think Business Loans.

Unsecured loans

An unsecured business loan is a loan which you do not need to secure.

In other words, while some loans will require security like your home in case you don’t make payments, unsecured loans don’t.

However, because of this you usually are only able to borrow a smaller amount and for a shorter period, to lower the risk to the lender.

Working capital loans

Working capital loans primarily help with the cash flow aspect of your business, so it’s more of a short-term solution for your SME or large company.

However, because of the nature of the loan, this is more popular with smaller businesses, as larger corporations have access to many different loans.

Bridging loans

A bridging loan is typically a short-term loan, so while the interest rates might be higher than with a longer-term loan, you end up paying less overall.

Sometimes the capital is paid at the end of the loan with no monthly repayments, and interest can often be worked out during the time of the loan.

Merchant loans

Merchant loans use your card sales to help you pay back the loan.

So you would apply for a sum of money, then decide with your lender what percentage of your future sales will go towards paying back that loan.

These types of loans usually don’t require you to pay interest, just a small one-off fee.

Asset finance

Asset financing is when you utilise the capital tied up in some of your assets, like a vehicle or your property, so you can spend that capital on fulfilling an order for example.

Or, this could be a loan to help you to purchase any assets like the ones mentioned above.


iFunds is Think Business Loan’s financial technology, which uses 18,000 data points to try and match you and your company to a lender which makes the most sense for your business.

They do this without a credit check, so it shouldn’t affect your credit score negatively.

If your search is successful, you could even have funds in your account on the same day.


CLAIR stands for Commercial Lending Artificial Intelligence Representative, and it is an AI commercial lending assistant, available 24 hours a day.

This is a chatbot, who will help manage your business finances and help you to find funding.

CLAIR can give you advice, guide you regarding your funding and help you navigate through the difficult process of securing finances commercially.

Customer Service

When it comes to customer support, Think Business Loans have mostly positive reviews on Trustpilot, with many of these 5-star reviews stating specifically that Think Business Loans have exceptional customer support.

You can speak to one of the Think Business Loans experts on 0203 880 9880, or email info@thinkbusinessloans.com.

Positive Customer Support Review

Michele King on Trustpilot: Christopher Bari was amazing. Despite I didn’t get the full amount I was hoping for Christopher was excellent. Great customer service & so easy to talk to. He tried every angle that he could & kept me informed every step of the way.

Negative Customer Support Review

Steve Grimes on Trustpilot: In my experience a complete waste of time, ‘account manager’ who forgets to call or email you.

Think Business Loans Reviews

Think Business Loans have an exceptional 5-star overall rating on Trustpilot, with a massive 92% of their reviews sitting in the highest rated category, while only 2% are negative.

The only negative reviews that they have seems to be regarding misunderstandings with the company, rather than because of poor service or deals.

Positive Think Business Loan Review

Dan Gibbs on Trustpilot: I strongly recommend Think Business and Christopher and will certainly use him again if needed with no questions!

Negative Think Business Loan Review

Steve Blazye on Trustpilot: I asked to Think business to help us find a loan…they seemed keen, and I explained all of the facts, submitted documents then nothing, complete silence. Avoid.

Company Comparison

Company Trustpilot Score Loan Amount Loan Term Typical APR
Think Business Loans ★★★★★ Up to £1,000,000 Bespoke 4.9%
Funding Circle ★★★★★ £5,000 – £500,000 Six months to 5 years 4.50%
Capify ★★★★★ £3,500 – £500,000 6 to 10 months 67.89%
Shawbrook Bank ★★★★★ £250,000 to £25 million Bespoke 0% to 19.9%


Have you found out everything you need to know about Think Business Loans? If you have any other questions, you could take a look at some of the other reviews available here.

Did you know that you can see all of your available loans in minutes with the ExpertSure comparison tool?

Take a look at the guides to find out more about your finances, or fill out the form at the top of the page.


Think Business Loans
  • Customer Support
  • Loan Flexibility
  • Cost

Final Verdict

Finally, Think Business Loans would be an excellent fit for customers that would like to benefit from the ability to compare most lenders, including their rates, term lengths and loan amounts.

This can be incredibly helpful in terms of cutting down the time you need to spend finding your perfect match.


✔ Excellent Trustpilot rating
✔ A choice of many different lenders
✔ Loan amounts that range from £25,000 to £1,000,000


✗ You will ned to pay a brokerage fee
✗ Some customers have complained about misunderstandings
✗ Businesses need to be revenue generating


Filwood Green Business Park
1 Filwood Park Lane

0800 234 3036