FINANCE OPTIONS

^130k Unsecured Business Loans - Apply Now

Q: How much can I borrow with an unsecured business loan?

You can typically borrow between £5,000 and £500,000, depending on factors like business revenue, creditworthiness, and financial history.

Q: How quickly can I get a decision on my unsecured loan application?

A decision is usually made within 24 hours to 5 business days, with funds available typically within 1 to 3 business days after approval.

Q: What are the interest rates for unsecured business loans?

Interest rates for unsecured business loans typically range from 6% to 30% APR, influenced by credit score, business performance, and loan terms.

Q: What are the eligibility requirements for a merchant cash advance?

Eligibility includes a minimum monthly card turnover of £5,000 over 6 months, often used by companies with high credit card sales.

Looking for £130,000 in unsecured business loans? This amount is well suited to UK businesses that need a strong cash injection without using property or assets as security. Many companies use £130,000 unsecured business loans to improve cash flow, invest in growth, hire staff, or cover larger expenses. Lenders usually assess turnover, trading history, and credit profile rather than collateral, which keeps the application straightforward. If your business is performing well, this level of unsecured finance can offer quick access to flexible funding.

Secure up to £130,000 in Unsecured Business Loans with Funding Agent.

Secure up to £500,000 in Secure up to £130,000 in Unsecured Business Loans with Funding Agent. with Funding Agent.

Quick and easy application process
Loan disbursed within 24 hours
No additional charges for early repayment

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What are the ^benefits of 130k Unsecured Business Loans?

Unsecured business loans offer flexibility without collateral risk, allowing quick access to capital to maintain operations during market fluctuations. Borrowers can secure amounts typically ranging from £5,000 to £500,000, with decision times between 1 to 5 business days. Interest rates vary from 6% to 30% APR based on creditworthiness and lender policies, making it a convenient option for many business owners.

Flexible funding options

No collateral required

Quick approval process

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of 130k Unsecured Business Loans?

Short-Term Unsecured Loan

Short-term unsecured loans are designed for businesses operating for at least 12 months with a turnover of £50,000 or more. Borrowers can obtain amounts between £5,000 and £150,000 for periods ranging from 3 to 24 months.

Short-Term Unsecured Loan

These loans offer a fast approval process, typically finalised within 24 hours, and can be used for working capital, cash flow management, or unexpected operational expenses. Interest rates range from 6% to 30% APR, depending on the business's credit profile. They are especially popular among retail businesses managing seasonal stock and tech startups covering operation costs.

Merchant Cash Advance

The Merchant Cash Advance option is available to UK businesses with a minimum monthly card turnover of £5,000. This is an excellent choice for companies with high credit card sales.

Merchant Cash Advance

Funds between £2,500 and £300,000 can be secured quickly, aligned with sales volumes over 4 to 18 months. Factor rates of 1.2 to 1.5 apply, equating to APRs between 20% and 50%. Ideal for supporting season peaks or launching marketing initiatives, this financing option is suitable for hospitality businesses upgrading equipment.

Revolving Credit Facility

The Revolving Credit Facility suits established SMEs with a proven turnover over £100,000. It provides a flexible credit line for ongoing operational support.

Revolving Credit Facility

Offering from £10,000 to £500,000, this facility is reviewed annually and adjusted according to business needs. With interest rates ranging from 8% to 15% APR plus withdrawal fees, it supports cash flow management and business expansion across various sectors, including manufacturers and tech companies investing in R&D.

What is a 130k Unsecured Business Loan?

Application Processes and Timelines

The application for unsecured business loans generally involves an online process, submission of financial documents, and can include a soft credit check. Decisions are made swiftly, often within 24 hours, and funds are typically available within 1 to 3 business days after approval.

Regulatory and Compliance Considerations

All lenders must be authorised and regulated by the Financial Conduct Authority to ensure fair lending practices. Loan agreements should provide clear APR information and comply with the Consumer Credit Act, safeguarding borrower rights and ensuring transparency.

Factors Influencing Borrowing Capacity

The borrowing capacity in unsecured business loans ranges from £5,000 to £500,000, influenced by factors such as business revenue, creditworthiness, and financial history. Interest rates typically range from 6% to 30% APR, with potential origination and late payment fees.