Beach point capital review

Founded in 2009, Beach Point Capital is a global investment firm that mostly focuses on credit-related investments and provides several funding options to small businesses.

An overview of Beach Point Capital business loans

Beach Point Capital offers a variety of business loans, but as these tend to be bespoke and tailored to each business, you’ll need to contact the provider to discuss your options in detail.

In August 2025, the British Business Bank announced an increased commitment to Beach Point Capital UK’s dedicated UK SME fund, taking the Bank’s total commitment to £50 million. The British Business Bank previously backed the fund in July 2022, and since then, Beach Point Capital has invested into 26 businesses across the UK.

Unsecured business loans

Unsecured business loans don’t need to be secured against an asset such as property. However, this means borrowing sums tend to be smaller and you’ll typically only be able to borrow for a term of up to five years. You usually make monthly instalments to ensure you’ve repaid the loan in full by the end of the term.

Beach Point Capital also offers flexible finance, which enables you to borrow as and when required, and repayments are flexible too.

Secured business loans

If you’re looking to invest in new business premises, you’ll usually need a secured business loan. This must be secured against the property itself, which means if you fail to repay your loan, the lender could sell the asset to recoup its money. However, because this lowers the risk for the lender, interest rates tend to be lower for secured loans, and you can usually borrow a much larger sum over a longer term.

Other types of secured finance let you borrow against machinery or equipment, so that you don’t have to cover the cost upfront. With asset finance, for instance, you make monthly instalments and at the end of the term, you may own the equipment outright, be able to return it or renew your agreement.

What is Beach Point Capital’s typical interest rate?

How much interest you pay will depend on several factors. These include the type of loan you’re applying for – secured loans tend to offer lower rates than unsecured, for example – as well as your company’s financial standing and credit history.

A business that is well established, has a solid credit rating and can prove that it can comfortably meet its loan repayments will likely qualify for better interest rates than a new business with a limited credit history.

How much can I borrow with a Beach Point Capital business loan?

The amount you can borrow with a Beach Point Capital business loan will depend on the same factors mentioned above.

Secured loans typically provide you with a much larger sum of money than unsecured loans, but the exact amount you’ll be offered will depend on the size of your business, its annual turnover, whether you have any existing debt, and your history of repaying debt in the past.

If you have a high annual turnover, limited debt and a strong credit rating, you’ll typically be able to borrow a larger sum than a business with wildly fluctuating income and a low credit rating.

What is the acceptance rate for a Beach Point Capital business loan?

Beach Point Capital doesn’t publish its acceptance rates. However, you’re more likely to get accepted if you meet the eligibility criteria, have a good credit rating and complete the application honestly and accurately. The more documentation you can provide to prove you can afford the repayments, the better.

Eligibility criteria and whether you qualify

Eligibility criteria will vary depending on the type of loan you apply for. However, you’ll usually need to be a UK-registered business and meet the necessary credit checks.

Some loans may state a minimum trading and annual turnover requirement, so check that you meet these before you apply. Applying without meeting the required criteria will only result in your application being rejected, which could negatively impact your credit history.

Additional information

When applying for a business loan with Beach Point Capital, make sure you read the terms and conditions carefully, paying special attention to the following:

Early repayment fees

Some loans may charge an early repayment fee if you pay them back before the end of the term. This might be a fixed fee or a percentage of the amount outstanding, so be sure to find out to avoid any nasty surprises.

How long does it take to get approved?

Approval times can vary depending on the type of loan you’ve applied for. It can take longer to get approved for a secured loan, for example, because the value of your collateral will need to be assessed. It can also take longer if you failed to provide the necessary documentation or your business structure is more complex.

However, overall, you should be notified about the decision within a few days.

Estimated time to receive funds

Once you have been approved for a business loan, the funds are usually transferred to your bank account within a couple of days.

Can a loan be repaid early?

Yes, many loans can be repaid early but you may have to pay an early repayment charge which could work out to be expensive. Always check the small print of your loan so that you know whether you could be charged and how much this will be.

Is security required?

Whether you need to provide security depends on the loan type. If you’re applying for a loan to buy or renovate a property, the loan will typically need to be secured against the property in question. This can help lower the cost of the loan but remember your asset could be at risk if you fail to make your repayments on time.

What documentation is required

You’ll need to provide the necessary documentation and information when applying for a loan with Beach Point Capital.

Business information

Beach Point Capital doesn’t state exactly what information you’ll need to provide, but common requirements include your business’s registered company number, business name and company address.

You may also need to provide a business plan, as well as certain financial documents such as your bank statements, cash flow forecasts and balance sheets.

Business owner information

As the business owner, you’re likely to be asked to provide your name, address, email address and phone number. If you own the business with someone else, they must provide their details too.

Funding requirement

You must also state how much you wish to borrow and what you plan to use the funds for.

How to apply for a Beach Point Capital business loan

You won’t be able to apply for a Beach Point Capital business loan directly online. Instead, you should give the London customer service team a call on 020 7647 6150 or email info@beachpointcapital.com.

Is the application process different to other lenders?

Some high street banks let you apply for business loans directly online. But you won’t be able to do this with Beach Point Capital. Instead, as the company offers tailored advice for each business, you’ll need to make contact by phone or email to be able to discuss your options in more detail.

How to improve your chances of getting funded

You’re more likely to get accepted for business funding if your business has been trading for a couple of years or more, has a strong financial track record and a healthy business credit score.

All these factors also play a part in the amount you’ll be able to borrow and the interest rate you’ll be charged. If your business credit score is poor, there are steps you can take to improve it, such as paying bills on time and regularly checking your credit report for mistakes.

Pros & cons of a Beach Point Capital business loan

Pros

Range of business loans to choose from
Offers bespoke services to help you find the right funding option
Backed by the British Business Bank

Cons

Business loan terms are unclear
If you apply for a secured loan, your assets could be at risk
Can’t apply online

Alternative funding options for different lenders

If you don’t think a business loan from Beach Point Capital is right for your company, there are alternative funding options to consider from other lenders. For example:

Why use a finance broker?

Using a finance broker can save you time and effort when comparing and applying for business loans. Brokers have access to a wide network of lenders and can steer you towards those most likely to approve your application. This is especially useful if your business is relatively new, you lack an established credit record, or you’ve had debt issues in the past.

A good broker will also explain any fees involved and handle the application process for you. However, some brokers charge for their services, so always check the cost upfront.

Get started with Swoop's business funding platform

Our team at Swoop would be happy to discuss your business funding requirements with you to help you find the right deal to support your application and help your business grow.

Beach Point Capital business loan review: Interest rates, eligibility, and the application process