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Business Loans in Cornwall

Cornwall is home to a diverse range of businesses with the agriculture industry playing an important role in the region’s local economy. Leisure and Tourism also play a fundamental role, with the visitor economy accounting for one in five jobs.

A UK-leading digital infrastructure is now in place attracting new hi-tech businesses to the area and allowing current enterprises to tackle the challenge of distance. Investment in roads and our airport mean that Cornwall and the Isles of Scilly have never been more accessible – physically and virtually.

We have business loans available to support businesses in Cornwall with a variety of funding requirements.

Business Finance Available in Cornwall

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

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


At SWIG Finance, we empower Start Ups and SMEs to overcome their financial barriers.

Our Business Manager, Rachel, joined SWIG in 2019, and supports businesses in Cornwall and the Isles of Scilly with access to funding.

Before joining SWIG, Rachel was Business Development Manager for FOLK2FOLK, and Commercial Relationship Manager for SME banking in West Cornwall at Lloyds Bank for more than 14 years.

Contact Rachel on;
07484 521 224

Rachel Thomson

Business Manager

Your Nearest Office:

SWIG Finance Ltd

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

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?

Businesses that are located outside of the South West region will not be eligible. 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 Cornwall 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.

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