Sigma Lending
London-based unsecured business lender incorporated April 2023. Eligibility threshold sits at one and a half years trading and £150k turnover. Useful for established Ltd companies wanting a sub-£150k unsecured top-up at speed.
Quick verdict
- Product: Unsecured term loan.
- Ticket band: £5k to £150k.
- Pricing: Quoted at offer.
- Sigma Lending says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Sigma Lending, at a glance
- Legal entity
- Sigma Lending Ltd
- Companies House
- 14826072
- Founded
- 2023
- Product
- Unsecured term loan
- Ticket range
- £5k to £150k
- Decision time
- Same day to 24 hours
- Ltd-only
- Yes
Where Sigma Lending is strong
- Soft-search at quote, no credit-file footprint.
- Ltd-only focus means underwriting is tailored to corporate borrowers.
- Same-day funding for clean cases.
- Direct lender, no broker mark-up.
Watch-outs, and when another lender may suit better
- Founded 2023, limited public track record.
- Rates not published; quoted only at offer stage.
- No published Trustpilot footprint to validate service quality.
- Sole traders and partnerships not eligible.
Best fit applicants
- Ltd companies trading 18 months+
- £5k to £150k unsecured tickets
- Director-led SMEs wanting speed
Where Sigma Lending is the wrong fit
- Sole traders
- Sub-18-month trading
- Rate-shopping borrowers
If declined by Sigma Lending
If your application to Sigma Lending is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Sigma Lending
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Sigma Lending?
Sigma Lending offers unsecured term loan. Ticket range: £5k to £150k. Typical rate: Quoted at offer.
How long does Sigma Lending take to decide?
Same day to 24 hours Sigma Lending says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Sigma Lending the best fit for?
First on the list: Ltd companies trading 18 months+. The full list is under Best fit applicants above.
When might another lender suit better than Sigma Lending?
First on the list: Sole traders. The other cases are under Where Sigma Lending is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Sigma Lending
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.