December 2025 Business Loans

December is the final window to secure working capital before year-end. Lenders close their applications mid-month, and once the shutdown begins, no new funding is processed. If your business needs capital for December operations or January cashflow, this is your last opportunity to apply before the deadline.

Below, you’ll find estimated monthly repayments for different loan amounts. These figures are based on average market interest rates to help you plan ahead before submitting an application.

Rates vary depending on each business’s profile:

Low-risk clients: Interest rates from 1.7% per month
Higher-risk clients: Rates may go up to 5% per month

These estimates help you get a realistic idea of your expected repayment before applying.

How to Apply

Applying is quick and simple. To start your application:

Complete the online application form
Upload 12 months of bank statements, including the current month. It’s important to draw a transaction history for the current month to avoid delays with processing your application.

Once received, your application goes into assessment and if need be we will request more information.

Important Deadline: 17 December 2025

The last day to submit applications is 17 December 2025.
No applications will be accepted after this date.

If you miss the deadline, the next opportunity to apply will be 5 January 2026, when lenders reopen.

Why Apply Before the Shutdown?

Every year, January approval rates drop because most businesses slow down or close in December. When turnover decreases, bank statements no longer meet the cashflow criteria needed for approval.

Working capital loans are assessed on positive, consistent cashflow. Applying now ensures your application is reviewed while your bank statements still reflect active trading. This greatly improves your chances of approval and allows you to enter January with the funding you need.

Estimated Repayments for December 2025 Loans

Use the summaries below to understand typical repayments for 3-, 6- and 12-month terms. These calculations are based on current average pricing in the market.