Capital without collateral
An unsecured business loan gives you upfront capital without pledging property, equipment or other assets as security. Your business assets stay free of any lender charge. A personal guarantee is usually required, so a director stands behind the loan, but there is no charge over your premises or equipment.
Unsecured finance suits businesses that lack significant assets, want to preserve existing security or simply need fast access to working capital without the complexity of a secured facility.
What you can use it for
- Working capital and cash flow management
- Stock purchases and inventory investment
- Hiring and team expansion
- Marketing campaigns and growth initiatives
- Equipment purchases (without tying up assets)
- Business expansion into new markets
- Covering seasonal revenue gaps
Key benefits
No charge over your assets
We don't take security over your property, equipment or vehicles. A personal guarantee is usually required.
Fast access to funds
Decisions in as little as 24 hours, with funds often reaching your account the same day.
Flexible repayment terms
Choose from 3 to 60 months with fixed monthly repayments, so you can budget with confidence.
All business types
Available to limited companies, LLPs, sole traders and partnerships. Newer businesses considered, subject to trading history and performance.
Minimal paperwork
Many lenders use Open Banking and digital verification, dramatically reducing the documentation required.
Borrow up to £2m
Access significant capital without asset security. Amounts are based on your turnover and trading strength.
Estimate your monthly cost
Get an indicative quote in seconds. No sign-up required.
Business loan calculator
Estimate your monthly repayments and total cost over the term. Guide tool only.
£50,000
36 months
Illustrative only, not a quote.
Interest calculated on a reducing balance.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile and security. Speak to your broker for a tailored quote.
Frequently asked questions
Not sure which product is right?
Ask Flo, our AI finance assistant, to guide you through your options.