Sigma Lending, also registered as SIGMA LENDING FINANCE 1 LTD, is a UK business finance provider that offers unsecured working capital funding to established commercial entities. Operating as a direct lender, the company focuses on providing straightforward business loans designed to assist limited companies with their operational and cash flow requirements. Within the UK commercial finance landscape, Sigma Lending caters specifically to incorporated businesses seeking funding without pledging physical business assets as direct security.
Business Loans Offered by Sigma Lending
Sigma Lending focuses specifically on unsecured business loans. Funding amounts start from a minimum deal size of £5,000 up to a maximum deal size of £250,000. Because these facilities are unsecured, borrowing companies are not required to provide specific physical collateral or asset security to obtain capital.
The lender offers fast funding decisions alongside same day disbursement for approved applications. This focus on speed makes their loans a option for businesses needing prompt access to working capital. If you are evaluating commercial finance providers, exploring alternative Business Loans across multiple lenders can help you determine whether an unsecured loan facility fits your cash flow profile.
Sigma Lending Key Product Overview
| Feature | Specification |
|---|---|
| Provider Type | Lender |
| Specialism | Unsecured Business Loans |
| Minimum Deal Size | £5,000 |
| Maximum Deal Size | £250,000 |
| Access Route | Direct |
| Sole Traders Eligible | No |
| Minimum Trading History | 18 months |
| Minimum Annual Turnover | £150,000 |
| FCA Reference Number | 1009680 (AML supervision only) |
| Companies House Number | 14826072 |
Eligibility Criteria and Ideal Business Profile
Sigma Lending maintains explicit eligibility criteria for business applicants. Their ideal customers are UK limited companies that have been trading for a minimum of 18 months. In addition to trading history, applying businesses must demonstrate a minimum annual turnover of £150,000 to qualify for loan facilities between £5,000 and £250,000.
Funding from Sigma Lending is restricted to UK limited companies. The provider does not offer loans to sole traders or unincorporated businesses. Company owners should verify that their corporate structure aligns with these requirements before submitting an application.
From a regulatory standpoint, Sigma Lending is registered with the Financial Conduct Authority (FCA) under firm reference number 1009680 for anti-money laundering supervision only. It is not a regulated consumer lender, which reflects its focus on commercial finance for limited companies. The company is registered at Companies House under registration number 14826072.
How to Access Funding from Sigma Lending
Access to funding from Sigma Lending is direct. Business owners who satisfy the minimum trading duration of 18 months and turnover criteria of £150,000 can submit an application directly via the lender's official website at https://sigma-lending.com/.
When applying direct to the provider, businesses generally need to supply financial document proof showing their trading track record and turnover levels. Following assessment, decisions are delivered quickly, with same day disbursement offered to successful applicants needing immediate funding.
Comparing Your Business Finance Options with SME Money
Selecting the right commercial finance facility requires evaluating repayment terms, facility limits, and eligibility criteria across the broader market. While direct lenders like Sigma Lending offer tailored unsecured business loans, exploring alternative options ensures you secure terms that fit your exact business situation.
SME Money connects UK businesses with specialist brokers who search over 70 lenders across the market. Working with a specialist broker allows business owners to review funding solutions without the bias of relying on a single bank or direct lender. Whether you require an unsecured business loan, asset finance, or larger commercial facilities, SME Money helps you navigate your options effectively.