FINANCE OPTIONS

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.

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
Apply Now
Cloud

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.

black tick in a green circle
No collateral required
black tick in a green circle
Fast approval process
black tick in a green circle
Flexible use of funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

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.

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

Apply for an Unsecured Loan

Submit Request

Complete an online request form providing basic details about your business needs.

Receive Offers

Get matched with lenders and receive tailored loan offers to compare.

Select and Apply

Choose the best offer, provide required documentation, and finalize your application.

Get Funding For your business

Generate offers
Cta image

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.
building

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 unsecured commercial loans?
How quickly can I get a decision on my loan application?
What interest rates apply to unsecured commercial loans?
What are the typical eligibility requirements for these loans?

DIVE DEEPER

July 2, 2025

Unsecured Business Loans UK: Fueling Service Sector Growth

Discover how UK service sectors like recruitment, marketing, and legal firms use unsecured business loans for cash flow, expansion & growth without collateral. Get insights & tips.
May 2, 2025

Best Unsecured Loan Lenders in the UK

Explore leading lenders offering fast, collateral-free loans—compare rates, terms, and find the best fit for your business.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now