Unsecured business loans
Unsecured Business Loans
£1k–£500k. No security. Decisions in 24–48 hours.
Funding for your business without pledging property, equipment or other assets. We search 300+ UK business lenders to find the best rate and terms for your trading profile — with no upfront fees and no obligation.
What is an Unsecured Business Loan?
An unsecured business loan is funding for your business that does not require you to pledge property, equipment or other assets as collateral. Instead of looking at what the business owns, lenders assess how the business trades — turnover, cash flow, time trading and credit profile.
That makes unsecured loans well suited to service businesses, e-commerce companies and any business that needs capital quickly without tying it to a specific asset. Most UK unsecured loans run from £1,000 to around £500,000, with terms typically between 3 months and 5 years.
Most lenders will still ask a director or shareholder for a personal guarantee. That is a personal commitment to repay the loan if the business cannot — but it is not the same as securing the loan against a specific property or asset.
Why Use Us For Unsecured Business Finance
No Collateral Required
Borrow against the strength of your business — no need to pledge property, equipment or personal assets as security.
Borrow £1k to £500k
From small working capital top-ups to substantial growth capital, we match you with the right lender for your loan size.
Decisions in 24–48 Hours
Fast indicative decisions and funds in your account within days, not weeks. Speed comparable to direct fintech lenders.
Whole-of-Market Rates
We search 300+ business lenders so you don't get tied to one lender's rate. The best deal for your trading profile, every time.
What Businesses Use Unsecured Loans For
Why Use a Broker Instead of Going Direct?
Going direct to a single lender means you only see one rate, one set of terms and one credit decision. We shop the whole market for you in a single application.
Going direct to a single lender
- — One rate, one set of terms
- — A decline closes a door
- — Apply again elsewhere from scratch
- — Multiple hard credit searches add up
Using The Finance Brokers
- — Compared across 300+ lenders
- — Soft search where possible
- — One application, multiple offers
- — No upfront fees, ever
How It Works
Tell us about your business
Share a few quick details about your business, how much you need, and what it's for. Takes about 5 minutes.
We search 300+ lenders
We match your business profile to the right lenders on our panel and bring back the best rates and terms — with no obligation.
Funds in your account
Once you choose a lender, we manage the application end to end. Funds typically land in your business account within 1–5 working days.
Frequently Asked Questions
What is an unsecured business loan?
An unsecured business loan is funding for your business that does not require you to pledge property, equipment or other assets as security. Lenders make the decision based on your business's trading history, cash flow and credit profile rather than collateral.
How much can I borrow on an unsecured business loan?
Most UK lenders offer unsecured business loans from £1,000 up to around £500,000, with a small number of specialist lenders going higher for established businesses with strong trading. The amount you can borrow typically depends on your monthly turnover, time trading and credit profile.
Will I need to give a personal guarantee?
Most unsecured business loan lenders will ask for a personal guarantee from a director or shareholder. This is a personal commitment to repay the loan if the business cannot, but it does not give the lender a charge over a specific asset like a property.
How fast can I get an unsecured business loan?
Decisions are typically returned within 24–48 hours, and funds can land in your business account within 1–5 working days from approval. Speed depends on the lender, the loan size and how quickly documents are returned.
Will applying affect my credit score?
When we shop the market on your behalf we use soft search wherever possible, which does not affect your credit score. A hard credit check is only carried out by the lender once you choose to proceed with a formal application.
What interest rates can I expect on an unsecured business loan?
Rates on UK unsecured business loans typically start from around 6.9% APR for established, profitable businesses and can run higher for shorter trading histories or weaker credit profiles. We compare rates across our panel to find the most competitive deal for your business.
Related Guides
How to Get an Unsecured Business Loan in the UK
Step-by-step guide to applying for an unsecured business loan in the UK — what lenders look for, what documents you need, and how to maximise your chances of approval.
Secured vs Unsecured Business Loans: Which Is Right for You?
A clear comparison of secured and unsecured business loans in the UK — how they differ on cost, speed, loan size and risk, and how to choose between them.
What Is an Unsecured Business Loan? A UK Guide
Plain-English guide to unsecured business loans in the UK — how they work, what they cost, who qualifies and when to use one.
Ready to find the right business loan?
Get in touch for a free, no-obligation review. We'll shop your loan across 300+ UK lenders and bring back the best options for your business.