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120k Unsecured Business Loans - Apply Now

Looking for £120,000 in unsecured business loans? This type of funding works well for UK businesses that need a solid cash boost without using property or assets as security. Many companies use £120,000 unsecured business loans to manage cash flow, invest in growth, hire staff, or handle unexpected costs. Lenders focus on turnover, trading history, and credit profile rather than collateral, which keeps the process simple. If your business is performing well, this level of unsecured finance can be a fast and flexible way to move forward with confidence.

Secure up to £120,000 in Unsecured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £120,000 in Unsecured Business Loans with Funding Agent. with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of 120k Unsecured Business Loans?

With unsecured business loans, businesses enjoy quick access to funds, often within 24 hours of approval. This flexibility supports a broad range of needs from marketing campaigns to covering operational expenses. Regulation by the FCA ensures transparent terms, safeguarding businesses.

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Quick funding access
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No collateral needed
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Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 120k Unsecured Business Loans?

Standard Unsecured Business Loan

Available to UK SMEs, the standard unsecured loan offers amounts from £10,000 to £500,000 with terms from 12 to 60 months. Eligibility hinges on a good credit score and a strong trading history. Apply now using our streamlined online calculator.

Standard Unsecured Business Loan

Standard unsecured business loans provide essential capital tailored to SME needs, promoting growth without the stress of collateral. Businesses can secure a decision within 1 to 3 business days and use the funds for diverse purposes like expansion. With APRs from 6% to 18%, they are flexible for financial planning.

Merchant Cash Advance

An excellent option for businesses handling card payments, merchant cash advances range from £5,000 to £300,000, repayable flexibly over 3–12 months. This solution adapts to variable sales patterns. Learn more about our cash advance products.

Merchant Cash Advance

Merchant cash advances offer quick funding based on sales revenue, ideal for managing seasonal fluctuations in industries like hospitality. Decisions and approvals are swift, often within 2 business days, ensuring businesses can maintain operational efficiency without delay.

Peer-to-Peer Business Loan

Peer-to-peer lending connects businesses with investors, offering amounts between £1,000 and £500,000 with terms up to 60 months. This alternative financing option is perfect for innovation-driven enterprises seeking flexible capital.

Peer-to-Peer Business Loan

Peer-to-peer loans empower startups and established businesses alike, providing competitive interest rates from 4% to 15% APR. While funds are typically available within 3 to 7 business days, the detailed application process ensures the right fit for your business strategy.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

What is a 120k Unsecured Business Loan?

How the Application Process Works

Applications for unsecured business loans typically require submission of business financial data, plans, and a credit check. Using tools like our application agent, businesses can streamline submissions and receive feedback within days.

Assessing Your Borrowing Capacity

Unsecured business loans in the UK adhere strictly to FCA regulations, ensuring transparency and fair treatment. Our expertise in regulatory compliance ensures borrowers have clear, trustworthy information.

Assessing Your Borrowing Capacity

Factors like business revenue and credit score define borrowing limits, ranging from £1,000 to £500,000. Our tailored financial solutions help maximise borrowing potential, ensuring your funding needs are met.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with an unsecured business loan?
How quickly can I get a decision on my loan application?
What interest rates can I expect on unsecured business loans?
What are the eligibility requirements for an unsecured loan?

DIVE DEEPER

July 2, 2025

Unsecured Business Loans UK: Fueling Service Sector Growth

Discover how UK service sectors like recruitment, marketing, and legal firms use unsecured business loans for cash flow, expansion & growth without collateral. Get insights & tips.
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Best Unsecured Loan Lenders in the UK

Explore leading lenders offering fast, collateral-free loans—compare rates, terms, and find the best fit for your business.
August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

Learn how to boost your UK business loan approval odds. Match the right product to your needs, prove affordability, prepare a complete document pack, and respond fast during underwriting.

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