Century Business Finance review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Century Business Finance suits established British limited companies that want broker help to source business credit with funding of Same day. Borrowing of £10,000 to £250,000 over 12 to 60 months gives structured room for growth, equipment or cash flow needs.

Key facts

Best for
Established British limited companies seeking brokered business loans
Loan amount
£10,000 to £250,000 (Source, checked September 30, 2026)
Term
12 to 60 months (Source, checked September 30, 2026)
Arrangement fee
Broker fee via direct debit (Source, checked September 30, 2026)
Credit check
Soft prequal (Source, checked September 30, 2026)
Funding time
Same day (Source, checked September 30, 2026)
Lender type
Broker (Source, checked September 30, 2026)
Eligibility
Limited UK business, trading 12 months, turnover GBP 120k (Source, checked September 30, 2026)
Loan types
Business (Source, checked September 30, 2026)
Legal entity
Century Business Finance Limited (Source, checked September 30, 2026)
Headquarters
United Kingdom (Source, checked September 30, 2026)
Founded
2017 (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Features
Same-day funding
Official website
centurybusinessfinance.co.uk

Apps and profiles

Elsewhere
LinkedInTrustpilotfacebook.cominstagram.com

Pros and cons

Pros

  • Funding of Same day for approved applications, useful for urgent business spending.
  • Borrowing of £10,000 to £250,000 over 12 to 60 months gives clear room for growth plans and equipment spend.
  • Authorised broking under licence 763952 from the Financial Conduct Authority.
  • Support across email, phone and help centre gives phone help alongside email and help centre cover.
  • Soft prequalification enquiry under soft prequal limits early impact versus hard checks elsewhere.

Cons

  • Direct lending is not among its broker, so final rates and terms are set by the third party lender that funds the loan.
  • Broker fee applies through Broker fee via direct debit, which adds cost to borrowing of £10,000 to £250,000 over 12 to 60 months.
  • Focus stays on business, so borrowers wanting personal cover may prefer Finmercado with borrowing of MXN 500 to MXN 200,000.
  • Eligibility rules limit access to established limited companies, so newer firms may prefer Qonto with borrowing of €150 to €100,000.

Ready to try Century Business Finance?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Established limited companies in Britain seeking brokered choice across business lenders.
  • Directors planning mid sized borrowing of £10,000 to £250,000 over 12 to 60 months with rapid payout.
  • Firms that value phone and email help across email, phone and help centre during comparison.

Who should look elsewhere

  • Newer or very small firms outside eligibility rules, where Qonto with borrowing of €150 to €100,000 may give more flexible entry routes.
  • Borrowers seeking personal loans rather than business, where Finmercado with borrowing of MXN 500 to MXN 200,000 may fit daily needs better.

Who regulates the lender

Century Business Finance works as broker under broker, so it arranges credit rather than providing the loan from its own balance sheet. That distinction matters because pricing, approval and servicing sit with the lender that funds borrowing of the type arranged here. Authorisation comes through licence 763952 from the Financial Conduct Authority in Britain. Borrowers can use that licence entry to confirm authorisation status and the scope of broking permission. Brokered choice can help established firms compare lenders without approaching each lender alone. At the same time, borrowers should read each lender offer with care, since headline broker material does not replace lender terms on cost, security and repayment.

How your money is protected

Money protection here rests on broking structure rather than deposit cover, with activity carried out as broker under broker. Funds move from the chosen lender to the borrower under that lender contract, so protection depends on lender terms and applicable British law for business credit. Licence 763952 shows Financial Conduct Authority authorisation for broking activity, which sets standards for disclosure, promotion and handling of applications. Borrowers should keep offer letters, fee statements and direct debit mandates in a safe place. Where any charge or repayment looks unclear, contact the broker or lender through published channels before signing and keep written confirmation of what was agreed.

Application and funding speed

Application pace is built around funding of Same day after approval, which suits firms facing payroll gaps, stock orders or equipment needs. Prequalification uses a soft enquiry path, so early exploration leaves less mark than a full hard search while options are reviewed. Borrowing of £10,000 to £250,000 covers mid sized business needs without moving into very small advances or very large corporate facilities. Terms of 12 to 60 months allow repayment to be spread in a way that matches cash flow and asset life. Actual speed still rests on lender checks, documents and bank cut off times. Firms should prepare accounts, bank statements and company details early, then confirm payout timing in writing with the lender making the offer.

The company behind it

The operator is Century Business Finance Limited, based in the United Kingdom, with origins in 2017. That history places it among specialist British brokers focused on business credit rather than personal lending or mortgage advice. Contact runs across email, phone and help centre, giving borrowers phone speech with staff plus email records and help centre material for common queries. Licence 763952 links the corporate identity to Financial Conduct Authority authorisation for broking. Firms comparing the market can check company details, licence status and support hours before applying. Keeping broker messages alongside lender contracts helps directors track fees, direct debit dates and repayment duties through the life of the loan.

How Century Business Finance compares

Where Century Business Finance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (763952), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

What fees apply when using Century Business Finance+

Century Business Finance charges a broker fee collected through Broker fee via direct debit. Actual interest, arrangement charges and repayment terms are set by the lender that makes the offer, so borrowers should compare the full offer for borrowing of £10,000 to £250,000 before signing.

Who regulates Century Business Finance+

Century Business Finance acts as broker under broker and holds licence 763952 from the Financial Conduct Authority. That authorisation means credit broking activity sits under British conduct rules, while credit itself is provided by the selected lender.

How fast can a business receive funds+

Funding is listed as Same day after approval through Same day. Timing still depends on the chosen lender, bank checks and documents supplied, so borrowers should allow time for underwriting and payout, even where same day payout is advertised.

How much can a business borrow and over what term+

Borrowing runs to £10,000 to £250,000 for business purposes under business. Terms run to 12 to 60 months, which allows structured repayment over several years. Limits offered depend on turnover, trading history and the lender panel available at application.

Which businesses can apply+

Access is aimed at limited companies based in Britain with established trading and turnover under eligibility rules. Sole traders and very young firms are less likely to fit, while Qonto with borrowing of €150 to €100,000 may suit different business profiles.

Which company operates the service and how is support reached+

The service is provided by Century Business Finance Limited based in the United Kingdom and established in 2017. Support is available across email, phone and help centre, giving phone contact alongside email and help centre help for queries before and during an application.

Does Century Business Finance lend directly+

As broker under broker, Century Business Finance does not lend directly but passes applications to lenders. That can widen choice for borrowing of £10,000 to £250,000, although borrowers deal with lender terms and should compare offers with Sofkredit borrowing of €12,000 to €300,000.

Sources

Compiled from 7 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Century Business Finance

Established British limited companies seeking brokered business loans

8.8/10See alternatives

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