Unsecured Loans

Fast, flexible finance with no property or assets required

What Is an Unsecured Loan?

An unsecured business loan provides companies with fast access to funding without requiring property or physical assets as security. Instead, lending decisions are based on your business’s financial performance, trading history, and credit profile.

Unsecured loans are ideal for:

  • Funding short-term cash flow needs

  • Launching new products or services

  • Purchasing stock or equipment

  • Investing in marketing or recruitment

  • Bridging seasonal revenue gaps

  • Supporting general business growth

If you’re looking for a quick, flexible finance solution without offering collateral, unsecured lending may be the right fit.

Types of Unsecured Loans

At The Funding Group, we work with a panel of UK-based lenders to offer a variety of unsecured finance options, tailored to your goals and cash flow:

Term Business Loans

Borrow a fixed sum over 1 to 5 years with fixed monthly repayments. Quick decisions and predictable costs.

Revolving Credit Facilities

Similar to an overdraft. Draw down funds as needed, repay, and reuse. Perfect for ongoing working capital needs.

Merchant Cash Advance

Repay the loan as a percentage of future card sales. Ideal for retail, hospitality, and online businesses.

Invoice Finance (Unsecured)

Release cash tied up in unpaid invoices — no security required beyond the invoice ledger.

Startup Loans

Government-backed unsecured loans for new businesses, with mentoring and support included.

Unsecured Top-Up Loans

Get additional funding even if you have existing finance in place. Great for businesses growing fast.

Typical Terms & Key Features

  • Loan Amounts: £10,000 to £500,000+

  • Terms: 3 months to 5 years

  • Interest Rates: Fixed or variable (dependent on business profile)

  • Security: No property or asset security required

  • Personal Guarantee: Often required for limited companies

  • Speed: Approval in 24–72 hours; funding within 3–5 days

We’ll match you with the right lenders based on your industry, turnover, credit rating, and funding goals.

Who Can Use Unsecured Loans?

Unsecured business loans are available to a wide range of UK businesses, including:

  • Limited companies, sole traders, and partnerships

  • Startups and early-stage businesses (with limited trading history)

  • Established companies needing fast working capital

  • Businesses without property or assets to offer as security

  • Firms in retail, hospitality, healthcare, logistics, and services

If you have a solid trading history or regular revenue, we can often help — even if your credit score isn’t perfect.

Benefits of Unsecured Business Loans

  • No property required — keep your home or business premises unencumbered

  • Fast funding — ideal for urgent needs or growth opportunities

  • Flexible use of funds for any business purpose

  • Simple application process with minimal paperwork

  • Preserve ownership — no equity or investor dilution

  • Option to top up or refinance as your business grows

  • Support available for startups and early-stage businesses

Unsecured loans are one of the most accessible and versatile forms of business finance available today.

Need an Unsecured Loan for Your Business?

If you’re looking for fast, hassle-free funding without offering assets as collateral, The Funding Group can help secure an unsecured business loan tailored to your needs.

Speak to our team today for a no-obligation quote and expert advice.