Business Loans to help you Grow
Oracle makes it speedy and straightforward so you can forget the fuss. Apply online to hear back from us within 24 hours.
Enquire todayFast Approval in 3 Simple Steps
Our tried and tested process is backed by our expert team, and we're here to guide you through every step of the way. Reach your objectives with effortless and efficiently.
See your business take off
Your business is unique and your loan can be too. You can explore amount and term options that work best for you with our handy calculator - why not give it a grow?
Approval in 24 hours? Priceless.
Time is precious. Once you submit your application, we'll get back to you in a day. Now that's fast!
How can a business loan help us grow?
Here's how our Guernsey clients have grown their businesses. Call us if you need anything! Whatever your business need, Oracle wants you to thrive.
Purchase a property to trade from
Procure business equipment
Buy business assets
Expand your business
Fund business acquisitions
Utilise opportunities fast
Incredible service is our secret weapon!
We go above and beyond to ensure our clients have a blissful experience. That'll be Oracle.
Are all of your ducks in a row?
Find answers ASAP to some of our most frequent business loan queries. We're a call or a click away and are always happy to help! Or apply now online - it's a waddle in the park!
What can I borrow for?
You can use our Business Loans to borrow for any business-related need. Yes, it’s really that simple! For example, you might want to start up a company, finance overheads, or develop your business further.
What are the advantages of a business loan?
Business Loans can accelerate your growth by giving you the necessary funds fast, without having to wait for sufficient income. This way, when a perfect opportunity strikes (e.g. to start a new venture, expand, or to get something you need) you’re equipped to reap the rewards in a timely way to ensure continued success.
What is the maximum amount I can borrow?
You can borrow ยฃ30k on an unsecured basis. Otherwise, higher lending is available subject to suitable security, such as assets or property. We can talk through all of this if you need!
How long can I borrow for?
While the maximum term for Business Loans is 7 years, we can create a repayment plan that works for you.
Is interest-only repayment an option?
Yes, interest-only repayments are available subject to having a satisfactory repayment vehicle. What is a ‘repayment vehicle’ you ask? This is a plan to show how you will repay the loan at the end of the term.
What is an interest-only repayment?
An interest-only repayment loan is where you can repay a loan in full at the end of the term, rather than at intervals throughout the loan term. This can be useful if you expect your income will be higher in future years.
Can I overpay on my loan and make lump sum reductions?
Yes, you can overpay Business Loans and pay off larger portions of your loan early. Early repayment can help to reduce the amount of interest over the agreed term.
Do I need to provide a Person Guarantee?
You will need a Person Guarantee only if you are a Limited Company. This guarantees that somebody will be responsible for repaying the amount should the Limited Company be unable to. Feel free to reach out to discuss anything further!