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 routing verdict

  • Product: Unsecured term loan.
  • Ticket band: £5k to £150k.
  • Decision time: Same day to 24 hours.
  • Pricing: Quoted at offer.
  • Soft search at quote stage: no credit-file footprint.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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+
  • £25k 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Sigma Lending decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Sigma Lending and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+