Unsecured Business Loans to Support Your Business Needs
Customised financing solutions for your business, no collateral needed
Unsecured Business Loans UK
At Funding Guru, we understand that businesses thrive on flexibility and freedom. Our Unsecured Business Loans offer a risk-free financing solution, allowing you to access funds without the need for collateral. Whether you’re looking to boost working capital, drive expansion, or fuel growth, our unsecured loans provide the financial support you need.
What is a Unsecured Loan
An Unsecured Business Loan allows businesses to secure funds without providing collateral, relying on creditworthiness and repayment ability. Ideal for quick capital access without risking valuable assets, this financing option offers flexibility for businesses on the move.
Because there is no asset backing the loan, lenders assess applications using factors such as:
- Credit Score: both business and personal credit history are considered.
- Business Financials: lenders evaluate revenue, cash flow, and profitability.
- Trading History: most lenders require a business to be operational for a minimum period (e.g. 6–12 months).
Since unsecured loans pose a higher risk for lenders, they often come with higher interest rates and shorter repayment terms compared to secured loans. However, they offer businesses a quick and flexible way to access funding without the potential risk of losing valuable assets in case of default.
What can an unsecured loan be used for
An unsecured business loan provides businesses with flexible funding, allowing them to address various financial needs:
- Covering working capital needs, including payroll.
- Financing business expansion and exploring new markets.
- Investing in technology upgrades or new equipment.
- Boosting brand visibility through strategic marketing.
- Managing cash flow during seasonal fluctuations.
- Addressing emergency expenses and unforeseen challenges.
- Streamlining existing debts through consolidation.
- Seizing business opportunities and innovative ventures.
Benefits of Unsecured Loans
Unsecured business loans offer fast, flexible financing without requiring collateral. They are ideal for businesses needing quick access to capital without risking valuable assets. Below are the key benefits of unsecured business loans:
No Collateral Required
Unlike secured loans, unsecured business loans don’t require collateral, reducing the risk of losing valuable assets.
Fast Approval & Funding
With no asset valuation needed, unsecured loans have faster approval, with many lenders funding within 24–48 hours for quick working capital.
Less Paperwork & Administrative Hassle
With no collateral requirements, unsecured loans involve less documentation and have a simpler application process, allowing businesses to apply online and get quick decisions.
Accessible for Small Businesses & Start-ups
Start-ups and small businesses that lack valuable assets can access funding through unsecured loans, making them a viable alternative to secured loans.
Reduced Risk for Business Owners
Without collateral, business owners avoid risking assets, making unsecured loans a safer funding option without tying up key resources.
While interest rates may be higher than secured loans, the speed, convenience, and reduced risk make unsecured loans an excellent choice for businesses needing fast financial support. Learn more about the advantages and disadvantages of unsecured loans here.
Key Features of Our
Unsecured Business Loans
No Collateral Requirement
Secure financing without putting your valuable assets at risk.
Flexible Funding Options
Access funds tailored to your business, ranging from £20,000 to £1,000,000.
Predictable Repayment
Benefit from fixed monthly repayments, promoting confidence in your financial planning.
Types of Unsecured Loans
Explore a range of unsecured business loan options at Funding Guru, tailored to suit your business requirements:
Small Business Loans
Obtain flexible funding without the need for collateral, designed to support the growth of small enterprises.
Start-up Loans
Kickstart your entrepreneurial journey with unsecured loans designed to fuel new business ventures.
Business Cash Advance
Access quick funds based on future credit card sales, providing a convenient and unsecured financing solution.
Business Acquisition Loans
Secure financing for acquiring businesses without the requirement of collateral, ensuring a smooth acquisition process.
Working Capital Loans
Optimise your daily operations with unsecured working capital loans, designed to address short-term business needs.
Peer-to-Peer Loans
Explore peer-to-peer lending platforms for unsecured loans, connecting businesses with a diverse network of lenders.
Mezzanine Loans
Access funds for growth and expansion without collateral, combining debt and equity characteristics for a balanced financing approach.
Property Development Loans
Secure unsecured funding for property development projects, facilitating growth without risking property assets.
Thoughts from Matt
An unsecured business loan is a great option for companies looking for a quick cash injection. You can often get the money in your account within a couple of days. The money can be used to pay staff, buy new stock, or simply to boost your cash flow.
You’ve worked hard to build your business, and the loan could provide vital at a time when your business is at a crossroads.“
Matt Haycox
Founder and CEO, Funding Guru
How much can I borrow
Unlocking financial potential for your business with an unsecured loan follows a familiar path. Here’s how it operates:
Borrowing
Process
A business secures funds through an unsecured loan, much like any other borrowing arrangement.
Repayment
Structure
The borrower typically commits to monthly repayments, steadily working towards the complete repayment of the loan.
Interest
Payments
Secure cash for your company by selling shares to investors through equity finance. Funding Guru facilitates the process, whether by providing the finance directly or connecting you with potential investors.
Loan
Arrangement Fee
Businesses might encounter a loan arrangement fee, which can be added to the loan amount or paid upfront post-approval. This fee contributes to the cost of setting up the loan.
Application Process for Unsecured Business Loans
Online Application
Complete our secure online application form.
Quick Assessment
Receive a prompt evaluation of your application.
Fast Approval
Experience swift approval, often within hours.
Access Funds
Once approved, access the funds to fuel your business growth.
Why Choose Us
Tailored Solutions
Benefit from personalised and flexible financing solutions designed to meet the unique needs of your business.
Transparent Approach
Experience transparency at every step of the financing journey, ensuring clarity and confidence in your financial decisions.
Proven Success Stories
Join a community of thriving businesses that have achieved success with Funding Guru's financial expertise and support.
Industry Experience
Rely on a partner with extensive industry experience, providing you with insights and guidance to navigate the complexities of business finance.
Efficiency and Simplicity
Discover a streamlined process that makes obtaining business finance quick and efficient, allowing you to focus on what matters - growing your business.
Testimonials
Frequently Asked Questions
Contact Us
Boost your business growth without collateral. Apply now for Funding Guru’s Unsecured Business Loans.