Unsecured, subject to status
Business Loans
Flexible finance to support your business plans and seize opportunities.
Unsecured repayment terms, subject to status
Secured repayment terms, subject to status
With suitable security
Business Loans in Jersey
Versus Finance supports Jersey businesses in arranging Business Loans for working capital, investment, expansion, business purchases and other eligible costs.
Apply entirely online or speak directly with Versus Finance at our St Helier office.
What can a Business Loan be used for?
Working Capital
Support day-to-day operations and manage ongoing business cash flow.
Investment & Growth
Fund eligible investment, development and future growth plans.
Expansion
Finance expansion, premises and business development.
Business Acquisition
Structured funding for eligible business purchases and ownership changes.
Sale & Leaseback
Release capital from eligible assets while retaining their business use.
Commercial Vehicles
Funding for eligible cars, vans and other commercial vehicles.
FUNDING DELIVERED BY VERSUS.
Working capital for growth
£120,000 funded
Asset refinance + unsecured finance • 7-year term
The client’s bank would not increase its overdraft.
We released equity from existing equipment and added an unsecured facility.
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Business Loans FAQs
What can I use a Business Loan for?
Versus Finance arranges business finance for eligible purposes including working capital, investment, expansion, premises improvements, business purchases, vehicles and other business costs.
The most suitable option will depend on the business circumstances and the outcome of the assessment.
How much can my business borrow?
There is no single fixed upper limit. Unsecured business facilities typically range from £5,000 to £50,000, subject to status. We do consider higher amounts where suitable property or assets are available as security, subject to status and assessment.
The amount available will depend on factors such as the finance purpose, turnover, profitability, affordability, available security and credit profile.
How long can my business borrow for?
36–60 months
Unsecured repayment terms, subject to status
36–84 months
Secured repayment terms, subject to status
Can sole traders and limited companies get business finance?
Yes. Versus Finance arranges business finance for Jersey sole traders and limited companies, including Business Loans and Asset Finance where appropriate.
Available options will depend on the business structure, trading history, finance purpose and affordability.
What documents will I need for a Business Loan?
For an established business, we will normally request proof of identity and address for the relevant directors or applicants, complete business bank statements covering the last three months, the most recent two years of trading accounts, and details of the amount and purpose of the finance.
For a new business, we will normally request a business plan and financial forecasts instead of historic trading accounts. Additional documents may be required depending on the application.
How quickly can I get a Business Loan decision?
In most cases, you could receive a decision within 24 hours once we have received your completed application and all required supporting documents.
In some cases, we may need further information before a decision can be provided.
Still have a question?
Speak directly with Versus Finance for clear, business-focused assistance.