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Unsecured Business Loans Over 7 Years - Apply Now

Unsecured business loans over 7 years provide a flexible funding solution for businesses seeking to expand without needing collateral. These loans depend on the borrower’s creditworthiness and the business’s financial stability. Businesses can use these loans for various operations or expansion strategies, such as increasing production capacity or developing new software. For more insights, learn more about unsecured business loans for SMEs.

Unsecured Business Loans

Secure up to £1,000,000 in Unsecured Business Loans 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 Unsecured Business Loans Over 7 Years?

The primary advantage of unsecured business loans is the flexibility they provide. Businesses with a robust credit score and financial health can secure loans ranging from £10,000 to £750,000, with a decision time of 1 to 4 weeks and funds available shortly after approval. For a deeper understanding of flexible funding solutions, explore our detailed commercial loan options.

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Flexible repayment terms
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No collateral required
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Quick access to funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Unsecured Business Loans Over 7 Years?

Long-Term Unsecured Loan

Long-term unsecured loans offer amounts ranging from £10,000 to £500,000, available for businesses with a minimum of two years trading history. The lending terms span 84 to 120 months. Explore the process of obtaining working capital loans without needing collateral.

Long-Term Unsecured Loan

These loans typically feature interest rates from 6% to 15% APR, with a decision time of 2 to 4 weeks. They suit businesses expanding production facilities or tech firms developing new software. To learn how to maximise these opportunities, refer to our business loan calculator.

Fixed-Rate Unsecured Loan

Fixed-rate unsecured loans provide up to £750,000 for businesses with consistent profitability over three years. These loans offer predictability in financial planning. Understand how these loans can be a wise capital investment by exploring our loan options.

Fixed-Rate Unsecured Loan

With interest rates between 7% and 12% fixed APR, these loans require a business plan and financials for a quick decision time of 2 to 3 weeks. Often used for capital investments, examples include retail companies preparing for seasonal demand. For assistance in planning, check our loan planning tools.

Revenue-Based Unsecured Loan

Revenue-based unsecured loans range from £20,000 to £350,000, ideal for rapidly growing companies with stable monthly revenue. Lending terms extend up to 108 months. Discover potential markets with our SME loan options.

Revenue-Based Unsecured Loan

These loans, with interest rates ranging from 8% to 16% APR, offer swift fund disbursement post assessment. They are tailored for hospitality businesses expanding in response to market demands. For guidance on adapting to market growth opportunities, visit our working capital loans.

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What is an unsecured business loan over 7 years?

Application Process and Decision Times

The application process for unsecured business loans requires detailed documentation like business plans and financial statements. The initial decision could take 1 to 4 weeks, with funds available in just days. Learn more about our streamlined application processes.

Borrowing Capacity and Rates

Unsecured business loans comply with FCA regulations, focusing on responsible lending and fair treatment of borrowers. This ensures businesses are protected under UK law. For expert guidance on compliance, review our insights on lenders.

Borrowing Capacity and Rates

Loan amounts are influenced by credit rating and business revenue, with typical APRs ranging from 6% to 16%. Additional fees may include origination or early repayment charges. Explore our competitive offerings for maximising borrowing capacity here.

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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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Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

What are the benefits of unsecured business loans over 7 years for UK SMEs?
How does Funding Agent help SMEs secure unsecured business loans over 7 years?
What can UK businesses use unsecured business loans over 7 years for?
Are there typical eligibility criteria for unsecured business loans over 7 years in the UK?

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