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390k Unsecured Business Loans - Apply Now

A £390,000 unsecured business loan offers UK SMEs flexible funding to support critical operational needs such as managing payroll, purchasing inventory, and covering day-to-day expenses without the need for collateral. As a trusted Funding Agent, we provide tailored finance solutions that empower businesses to maintain cash flow stability and capitalise on growth opportunities with confidence.

Secure up to £390,000 in Unsecured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £390,000 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 390k Unsecured Business Loans?

Opting for unsecured business loans provides substantial benefits. These loans offer flexibility without risking business assets, making them suitable for companies lacking substantial collateral. With amounts ranging from £1,000 to £5,000,000, and initial decisions in as fast as a few hours, they cater to the agility required by modern businesses. Learn how fast unsecured loans can be approved.

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Flexible funding options
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Quick approval process
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No collateral required

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 390k Unsecured Business Loans?

Peer-to-Peer Business Loans

Peer-to-Peer Business Loans connect you directly with lenders, providing amounts ranging from £5,000 to £1,000,000, with terms between 12 to 60 months accessible to businesses trading for at least a year. Discover more about Peer-to-Peer loans.

Peer-to-Peer Business Loans

Peer-to-Peer Business Loans are ideal for expanding operations or managing cash flow in dynamic sectors like retail and hospitality. Interest rates vary from 3% to 16% APR, with decisions typically within 1-3 days. This process involves matching with lenders via online platforms after submitting financial statements. Retail businesses particularly use these for seasonal inventory purchases. Find out more about Peer-to-Peer financing.

Online Small Business Loans

Online Small Business Loans offer rapid funding solutions, with amounts from £2,000 to £500,000 for tech startups or those needing quick capital. Explore online loan options suitable for your needs.

Online Small Business Loans

Online Small Business Loans are tailored for business owners with a solid credit score and at least 6 months of trading history, offering lending terms from 3 to 36 months. With interest rates between 6% and 25% APR, these loans cater to those requiring swift decisions, often within 24 hours, suitable for marketing or tech upgrades. Gain insights on online funding solutions.

Merchant Cash Advances

Merchant Cash Advances are designed for businesses with strong card sales, providing £5,000 to £300,000 over 3 to 24 months, depending on sales volume. Understand merchant cash solutions tailored for high-turnover sectors.

Merchant Cash Advances

Targeting sectors able to show card payments with monthly revenues of at least £5,000, Merchant Cash Advances provide immediate working capital, repayable as a percentage of sales. Factor rates range from 1.2 to 1.5, with decisions in one to two days, making them ideal for restaurants or retail facing cash flow challenges. Read more about cash advance options.

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 390k Unsecured Business Loan?

Application Process and Approval Times

Applying for an unsecured business loan typically involves an online application, where businesses submit financials and credit history for evaluation. Initial decisions can be made within hours, with funds accessible in 1-5 business days post-approval. This efficiency stems from our streamlined digital processes. Start your application process today.

Factors Affecting Borrowing Capacity

All unsecured business loans comply with the UK's Financial Conduct Authority (FCA) regulations, ensuring fair terms and transparent fees. By adhering to these standards, businesses can trust the credibility of offerings. Our expertise in navigating these regulations allows for smooth and compliant lending experiences. Learn more about FCA-compliant loans.

Factors Affecting Borrowing Capacity

Determining your borrowing capacity involves credit score assessments, business revenue, and trading history. Understanding these criteria helps maximise available funding, with amounts from £1,000 to £5,000,000. Decision speed and rate variability depend on these factors. Our solutions are tailored to offer competitive options based on your financial profile. Explore tools for assessing loan capacity.

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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 are the typical interest rates for unsecured business loans?
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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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