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Business Loans in Gloucestershire

Gloucestershire’s health and manufacturing sectors are the region’s largest sectors, accounting for a combined 27% of overall employment. Other important sectors include education, retail and business administration and support. There are significant developments within nuclear power production, which will see Gloucestershire become a key player in the UK’s journey to Net Zero. Gloucestershire has excellent links to the South West, Wales and the Midlands, thanks to the proximity M5 motorway.

SWIG Finance has business loans available for small and medium-sized businesses in Gloucestershire.

Business Finance in Gloucestershire

Unsecured term Loans are available to growing businesses in Gloucestershire. Loans range from £25,001 up to £250,000 and can be used for a range of purposes.

Start Up Loans are available for entrepreneurs based in Gloucestershire with less than three years of trading.

Start Up Loans range from £500 up to £25,000 and are designed for new and early-stage business owners.

We have a team of local business managers to support businesses in Gloucestershire.

SWIG Finance has a team of local business managers to support businesses in Gloucestershire

At SWIG Finance, we empower start-ups and SMEs to overcome their financial barriers.

SWIG’s senior business manager, Nicola Parker, covers the Gloucestershire area.

Nic has 20 years of experience working in financial services and has previously worked for Triodos, The Co-Operative Bank and Blaise Commercial Finance.

Contact Nicola on;


07484 521 226

Nicola Parker

Nicola Parker

Senior Business Manager

Your Nearest Office:

SWIG Finance Ltd (Bristol)

SWIG Finance provides viable SMEs and start-ups with access to finance.

Our decisions are made by people, not computers, which means that we lend by looking at the bigger picture.

Our business managers provide support and guidance throughout the application process, and for the duration of the loan, to give our customers the best chance for success.

We have Start Up Loans for businesses trading less than 3 years 

Is my business eligible for a business loan?

The CBILS Scheme closed with effect from 31 March 2021. Learn more here.

Business Loan characteristics

- Fixed & floating debenture taken (ranking behind existing charge holders, if appropriate)
- Unsupported personal guarantees are typically required for business loans

Information required to apply for a business loan:

– Last 2 years' full accounts (if available)
– Most recent management accounts 
– Cashflow forecast for a minimum of 12 months
– Last 6 months business bank statements
– Credit Report for all directors

Amount & Term

£25,001 – £250,000 repayable up to 60 months

Interest Charge

Charged at 12% ABR

Fees Arrangement

Fee of 5% charged at outset

“We chose to work with SWIG Finance because, unlike other lenders, at SWIG you can talk to a person. Ultimately, SWIG Finance were able to support our business by looking at the bigger picture – something which other lenders are not willing to do.”

Customer Testimonial, SME Business Owner

How to apply for a Business Loan​?

To apply for a Business Loan, you will need to complete our online application form.

Information we will need to assess your loan request:

  • Last 2 years’ full accounts (if available)
  • Most recent management accounts
  • Cashflow forecast for a minimum of 12 months
  • Last 6 months business bank statements
  • Credit Report for all directors

Apply now to take the next step in securing the funding your business needs.

Our Application Process

We assess each business on its own merit. To apply, please complete our online enquiry form below. Initial enquiries welcomed to establish suitability. Once we have received all the information we need to consider your application, the decision will be made as soon as possible.

Apply Now

If you’re ready to take the next steps, apply now!

Tips & How-To Guides

Here you will find practical tips and how-to guides.

Got a question?

Give us a call today and we will answer any question you may have.

Do you need to borrow less than £25k?

We have Start Up Loans available for businesses that have been trading for less than 3 years.

Apply for a business loan now

Please complete the below enquiry form and a member of the team will be in touch.

Should you wish to apply for a loan then please complete the following questions:

Here at SWIG Finance Limited we take your privacy seriously and will only use your personal information to administer your application and to provide the products and services you have requested from us. Please tick the box below to indicate your consent to us processing your data in accordance with our privacy policy.


Start Up Funding for Kids Play Space

Case Study, SME

Hampshire-based entrepreneur, Marnie Waller, has received a £25,000 Start Up Loan, delivered by SWIG Finance, to contribute towards bringing her children’s play centre business to life.

The business, Wonder – A World of Imagination, is an interactive imaginary play space for children and families and is located in the Meridian Centre in Havant.

Wonder is led by Marnie and her husband Gavin, both of whom have significant experience working within Commercial Asset Management and Retail Marketing.

Read More