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£550K Unsecured Business Loans - Apply Now

£550K unsecured business loans offer UK SMEs a practical way to fund growth or manage cash flow without providing collateral. Unlike secured loans, these are granted based on your business’s financial strength and credit profile rather than asset backing. Unsecured finance can be attractive if you want to protect company assets, benefit from a faster application process, and access a wide range of funding uses, such as expansion, recruitment or marketing.

Secure up to £550,000 in £ Unsecured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £550,000 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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Key Benefits of Unsecured Business Loans

Unsecured business loans allow UK companies to access funding quickly and flexibly. With no requirement to pledge assets, SMEs can maintain full control of their business property while using finance for varied needs. Knowing typical timeframes and rates helps inform your borrowing decision.

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Quick approval process
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No collateral required
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Flexible repayment terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types of Unsecured Business Loans Available

Term Loans

Term loans provide fixed-sum funding over set periods, typically suitable for larger one-off business investments and growth plans.

Term Loans

Term loans require at least one year’s trading history and an annual turnover of £100K. Borrow between £10,000 and £500,000 over 6 to 60 months. Rates range from 6% to 26% APR, depending on your creditworthiness. Application involves submitting financials for lender review, with decisions in 2 to 5 business days. Common uses include expansion and asset purchases in sectors like retail, manufacturing and technology.

Business Lines of Credit

Lines of credit offer revolving access to funds, allowing businesses to draw and repay as needed, perfect for managing regular cash flow.

Business Lines of Credit

Available to established UK businesses with consistent revenue, lines of credit let you borrow between £5,000 and £250,000. Interest is charged only on the amount drawn, typically at 8% to 20% variable. Limits and terms are set after a lender review, with decisions in 1 to 7 days. This product suits sectors like wholesale, retail and services needing flexible capital management.

Merchant Cash Advances

Merchant cash advances provide funding based on regular credit card sales, with repayments linked to your daily trading performance.

Merchant Cash Advances

If your business accepts card payments and has traded for at least six months, a merchant cash advance may suit you. Borrow £5,000 to £300,000, repayable over 3 to 12 months. Decisions often arrive within 24 hours to 3 days. Costs are shown as factor rates (1.1–1.5), repaid as a percentage of future card sales. Suitable for retailers and hospitality businesses.

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

How to Get an Unsecured Business Loan with Funding Agent

Complete Our Form

Share your business details and funding requirements through our online application form so we can match you to relevant unsecured loan providers from our panel.

Compare Options

Review and assess the rates, terms, and features from multiple lenders to ensure you choose the most suitable offer for your business.

Receive Funds

Once approved, funds are released promptly to your business account, enabling you to put your plans into action straight away.

Get Funding For your business

Generate offers
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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

What is the maximum borrowing amount for an unsecured business loan?
How quickly can I get funds after applying?
What interest rates apply to unsecured business loans?
Are unsecured business loans regulated in the UK?

DIVE DEEPER

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