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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

Self Employed Loans

Being your own boss, managing your own business and time are just a few perks of being self-employed. Whether you want to start up your own business or are looking to finance your next venture within your current company, securing a loan when you are self-employed can be challenging. Most lending companies will ask for evidence of your salary / income but being self-employed, your income may come from sources such as specific contracts or dividends and you may find that you don’t pay yourself a regular salary. Whatever the case, TFS Loans aims to help those who are self-employed and seeking loans.

Loans from TFS work differently to most other lending companies. We offer guarantor loans, which means that even if you have poor credit, your loan application will not be affected. All that is required is that you provide a guarantor with your loan application, who agrees that should you fail to make repayments on your loan, they will cover the costs for you.

A self-employed loan from TFS means that should you need to invest in your current business or a new one you wish to start, or even just need a loan for personal reasons, your credit score will not be the deciding factor. So, there is no need to panic if your credit score is not high enough for normal lenders, TFS Loans could help with your financial needs. As long as you can provide a guarantor with your application and can afford the repayments on the loan, we at TFS, will more than likely be able to accept your self-employed loan application.

Self-employed loans from TFS, are ideal for those with a new business or one that hasn’t been established for long. Most lending companies will require to see evidence of income for 2-3 years if you are self-employed, which have been signed off by an accountant. This makes it difficult for the self-employed looking for a loan, especially if you are trying to build a new business or finance one that has not been long established.

If you are self-employed and seeking a loan but you have a poor credit score, TFS Loans might be the ideal place for you. By offering guarantor loans for the self-employed, you don’t need to worry about poor credit as all we require is that you have a guarantor who is happy to make any payments you miss on your loan. At TFS, we can spread the repayments over a longer period, meaning that they may more affordable and you can keep on top of them, along with any other monthly bills you may have.

If you can provide a guarantor with your application, who is willing to make repayments should you be unable to, TFS Loans could help you finance your new business or anything that comes your way in life.

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Visit our FAQs pages for any questions you may have about Guarantor Loans.

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Nothing but friendly helpful service from start to finish with my loan application. Everything has been sorted within 24 hours with exceptional customer service provided! I will definitely recommend TFS to my friends.

Callum Pettitt

15th February 2019

Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!

Angela Talbott

3rd July 2017

Excellent communication from well trained staff who explained everything from start to finish. I had the pleasure of dealing with Sally who was lovely. Well done!

Karen Walpole

16th June 2017

Great Service, kept me well informed every step of the way. Extremely efficient.

Joanne Yeaman

1st June 2017

A very efficient well mannered group. As a guarantor you answered all the questions I asked and time was of no problem - thank you for looking after my daughter.

Anthony Dinsdale

28th February 2017

All customer service personnel were really polite and extremely helpful. I would definitely recommend the company to others. I would definitely use the service again if needed in the future.

Debra Ramsay

10th October 2016

I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!

Simon Lewis

25th July 2017

I felt that the process from start to finish was smooth and quick. My application was dealt with, with ease and I look forward to being able to use this loan for a good cause

Charlene Foster

16th September 2017

Highly recommend TFS Loans very friendly and people person advisors. Very helpful very quick decisions I have had 2 loans with them now

Amanda Taylor

1st October 2018

Very helpful friendly staff. Good rates. Would recommend TFS Loans .

Anthony Denis Millington

8th October 2018

Very good service and explained everything that was going on. Highly recommend TFS for a loan.

Jamie Rhodes

13th November 2018

Very thorough and informative.

Christine Lowe

3rd December 2018

Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to


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