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Understanding Unsecured Commercial Loans

Unsecured commercial loans are tailored financial solutions that allow businesses to access funds without offering collateral. This type of loan, which relies on the creditworthiness and financial stability of the borrowing company and its directors, serves varied needs such as unsecured business loans and working capital support for sectors like retail and hospitality.

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What are the benefits of unsecured commercial loans?

With unsecured commercial loans, businesses benefit from rapid access to funds, lending flexibility, and no collateral requirement, supporting cash flow management and growth. Loan amounts range from £5,000 to £500,000, with decisions made in just 1 to 3 business days. Our personalised service ensures competitive rates from 6% APR, adjusted for creditworthiness. Learn more about our unsecured corporate loans.

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No collateral required
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Fast approval process
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Flexible use of funds

What are the different types of unsecured commercial loans?

Unsecured Term Loans

Unsecured Term Loans offer amounts from £5,000 to £250,000 over 6 to 60 months. Available to UK businesses with at least £50,000 turnover. Eligibility may require good credit history.

Unsecured Term Loans

Our Unsecured Term Loans, offering £5,000 to £250,000, cater to businesses operational for 12+ months. With interest rates from 6% to 15% APR, clients receive initial decisions in 1 to 3 days. Ideal for working capital and marketing campaigns, applied via online processes. Retail and hospitality sectors find these loans crucial for stock and refurbishment needs. Check our unsecured business loans for more.

Revolving Credit Facilities

Revolving Credit Facilities provide £10,000 to £500,000 with ongoing access for a year. More accessible for businesses with higher turnovers.

Revolving Credit Facilities

Our Revolving Credit Facilities offer businesses flexible access to funds, ranging from £10,000 to £500,000. With a variable interest rate over the base, these are perfect for managing seasonal cash flows. Applications receive preliminary decisions in 48 hours, popular in manufacturing for supply chain management. Discover more about revolving credit loans.

Merchant Cash Advances

Merchant Cash Advances, from £5,000 to £300,000, suit card-based businesses with flexible repayment terms linked to sales.

Merchant Cash Advances

Merchant Cash Advances offer £5,000 to £300,000, needing around £3,000 in monthly card transactions. With factor rates from 1.1, decisions are made in 48 hours, with funds quickly accessed. Ideal for sectors like hospitality, this advance supports quick expansion and equipment purchases. Visit our Cash Advance page for more.

What are unsecured commercial loans?

Application Processes and Decisions

Most applications for unsecured commercial loans are processed online with decisions based on business financials and credit checks. Supporting documents like bank statements and management accounts are essential. Initial decisions can be achieved within 1 to 3 business days, with funds typically available within a week. Our streamlined process enhances your borrowing experience. Discover our unsecured business loans process.

Regulations and Compliance

All lenders providing unsecured commercial loans must be authorised by the Financial Conduct Authority (FCA) in the UK, ensuring compliance and transparent terms. Borrowers can expect clear agreements with no hidden fees, protecting both business and lender. Get more insights into our compliance practices.

Borrowing Capacity and Rates

Unsecured commercial loans offer borrowing amounts from £5,000 to £500,000, based on factors like turnover and credit history. Rates vary, typically 6% to 15% APR, influenced by business financial records and sector risk. Additional fees may apply. Our expert advice helps you secure the best terms possible. Explore our business loans options.

FAQ’S

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