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320k Unsecured Business Loans - Apply Now

A £320,000 unsecured business loan offers UK SMEs a flexible and accessible funding solution to support critical operational needs such as managing payroll, purchasing inventory, and covering day-to-day expenses without the need to provide collateral. This substantial financing option, facilitated by Funding Agent, empowers businesses to stabilise cash flow and maintain growth momentum in a competitive market.

Secure up to £320,000 in Unsecured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £320,000 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 320k Unsecured Business Loans?

One of the primary advantages of unsecured business loans is the protection of your business assets. With fast approval times, such as decisions often made in 24-48 hours, you can quickly access funds. Typical amounts range from £5,000 to £320,000, accommodating a variety of business needs.

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No collateral required
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Fast approval process
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Flexible funding options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 320k Unsecured Business Loans?

Short-Term Unsecured Business Loans

These loans suit UK SMEs with at least 6 months of trading history. Typically, amounts range from £5,000 to £250,000, with terms of 3 to 18 months.

Short-Term Unsecured Business Loans

Offered to businesses with strong credit, short-term unsecured business loans feature interest rates from 6% to 25% APR, with decisions often made within 48 hours. Ideal for managing cash flow or purchasing inventory. Retail businesses, for instance, can stock up for peak seasons using this type of funding.

Merchant Cash Advances

Perfect for businesses with steady card sales, merchant cash advances offer amounts from £5,000 to £200,000 with flexible repayment terms of 6 to 18 months.

Merchant Cash Advances

Merchant cash advances are suitable for the retail and hospitality sectors, characterized by flexible terms and factor rates between 1.1 and 1.5. Businesses can receive funds often within 24 hours, providing a quick financial boost to handle seasonal slumps or unexpected expenses.

Revenue-Based Financing

Ideal for established SMEs, this option provides between £10,000 and £500,000, with terms depending on revenue performance over 6 to 24 months.

Revenue-Based Financing

Revenue-based financing doesn't use traditional APRs but instead operates on revenue share agreements, with effective rates varying. Ideal for scaling operations or capitalising on growth opportunities, funds are usually received within a week post-approval.

Typical Funding Journeys on Funding Agent

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What is a 320k Unsecured Business Loan?

Application Processes

The application process is straightforward, often requiring identification, financial statements, and proof of revenue. With decisions made swiftly, businesses can access funds typically within a week of approval, making it a preferred choice for quick financial solutions.

Borrowing Capacity and Flexibility

Unsecured business loans are regulated by the Financial Conduct Authority, ensuring that lenders perform creditworthiness assessments and adhere to responsible lending practices.

Borrowing Capacity and Flexibility

Borrowing amounts generally range from £5,000 to £500,000, influenced by factors like business revenue and credit score. Unsecured loans offer a flexible financial strategy, accommodating various business needs without collateral challenges.

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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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FAQ’S

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DIVE DEEPER

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