FINANCE OPTIONS

380k Unsecured Business Loans - Apply Now

A £380,000 unsecured business loan offers UK SMEs a flexible funding solution to support critical operational needs such as managing payroll, purchasing inventory, and covering day-to-day expenses without the need for asset collateral. As a trusted funding agent, we help businesses access this substantial capital quickly, enabling them to stabilise cash flow and capitalise on growth opportunities with confidence. This loan type is ideal for companies seeking efficient financial support while maintaining control over their assets.

Secure up to £380,000 in Unsecured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £380,000 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 380k Unsecured Business Loans?

Fast access to capital without needing to pledge assets is a major benefit of unsecured business loans. Decisions are swift, often within 1 to 5 days, and funds are available shortly afterwards. With flexible use across operations, unsecured loans can greatly enhance business capabilities. Discover more about the benefits provided through such financing.

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Quick access to funds
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No collateral required
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Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 380k Unsecured Business Loans?

Working Capital Loans

Working Capital Loans are available for businesses operational for at least 6 months, with a minimum annual turnover of £100,000, offering amounts from £50,000 to £380,000. Learn detailed steps at our guide.

Working Capital Loans

These loans have flexible terms ranging from 6 to 36 months with interest rates of 6% to 15% APR. They suit businesses needing to manage cash flow, cover expenses, or purchase inventory, especially in sectors like retail. Explore how working capital loans assist businesses by visiting our page.

Expansion Loans

Expansion Loans are tailored for businesses in operation for over a year, needing between £100,000 to £380,000 to fund growth. Comprehensive insights can be found in our article.

Expansion Loans

With lending terms spanning 12 to 48 months, these loans support opening new locations or market entry, especially for businesses like hospitality. Rates vary from 7% to 18% APR. Learn more about expansion loans at our detailed resource.

Equipment Financing Loans

Equipment Financing Loans are aimed at SMEs trading for at least 2 years, offering amounts from £30,000 to £380,000. Details available here.

Equipment Financing Loans

These loans help purchase essential machinery or vehicles, with terms of 6 to 60 months and interest rates between 5% to 12% APR. Sectors like manufacturing benefit greatly from this financing. For comprehensive details, visit our equipment finance section.

Typical Funding Journeys on Funding Agent

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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 380k Unsecured Business Loan?

Application Process Overview

Applications for unsecured loans involve submitting financial documents and business plans to receive an initial decision in 1 to 5 business days. Gain in-depth understanding through our application process overview. Decisions are expedited thanks to AI-driven financial analysis.

Borrowing Capacity and Rates

All lenders must be FCA-authorised, ensuring compliance and data protection. This commitment offers peace of mind during the loan process. For more on regulatory standards, read our compliance guide.

Borrowing Capacity and Rates

Businesses can borrow between £5,000 to £380,000, with rates from 5% to 18% APR. Factors like creditworthiness and financial obligations determine specifics. Learn how borrowing capacity is assessed at our finance options.

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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?
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What are the eligibility requirements for unsecured business loans?

DIVE DEEPER

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Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

Compare the top 13 short-term business loan providers in the UK for 2025. See interest rates, loan terms, funding speeds, eligibility criteria, and reviews to find the best fit for your business.

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