January 13, 2026
Lists
Square image with a black border and white background
best lenders to secure a 80k unsecured business loan

best lenders to secure a 80k unsecured business loan

Discover the best lenders offering unsecured business loans up to £80,000. Compare interest rates, terms, and eligibility to find the right loan for your business needs.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

best lenders to secure a 80k unsecured business loan

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2026-01-13.

Quick Compare:

1Funding AgentFunding Agent provides competitive and personalized financing solutions, specializing in unsecured business loans for SMEs in the UK.£0–£0; 0%–0% APR; Unknown
2Century Business FinanceCentury Business Finance offers fast, straightforward finance solutions with same-day approval for SMEs in the UK.£10,000–£250,000; 0%–0% APR; 1-5 years
3BarclaysBarclays offers a range of business financing options, including unsecured loans for SMEs with flexible terms and competitive rates.£1,000–£100,000; 11.2%–14.9% APR; 1-5 years
4Merchant SavvyMerchant Savvy provides comprehensive comparisons of business loans, helping businesses secure financing at competitive fixed rates.£500–£25,000; 6%–10% APR; 1-5 years
5Portman Finance GroupPortman Finance Group provides business loans with quick decisions and flexible terms, including options without personal guarantees.£10,000–£2,000,000; 6.9%–13.2% APR; 3-72 months
6Funding CircleFunding Circle provides fast, flexible financing solutions for small businesses, with a focus on peer-to-peer lending.£10,000–£750,000; 0%–0% APR; 1-72 months
7365 Finance365 Finance offers flexible business funding solutions, allowing repayments based on a percentage of sales rather than fixed amounts.£10,000–£500,000; 0%–0% APR; Flexible
8NatWestNatWest provides a diverse range of finance solutions for UK businesses, specialising in flexible and comprehensive business services.£0–£100,000; 0%–0% APR; Varies
9MAF Finance GroupMAF Finance Group offers a tailored approach to business finance, with access to a wide range of lenders suitable for various needs.£5,000–£750,000; 0%–0% APR; 3-72 months
10Lending ExpertLending Expert compares market rates to provide businesses with the best loans available, focusing on transparent and competitive APRs.£1,000–£10,000,000; 2.9%–4.66% APR; Flexible

1. Funding Agent

Funding Agent Funding Agent provides competitive and personalized financing solutions, specialising in unsecured business loans for SMEs in the UK. It mainly serves franchise buyers and small businesses seeking quick, no-collateral options for working capital or growth. The platform offers access to a variety of lenders and flexible terms, making it suitable for those needing fast decisions and straightforward applications.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Small and Medium Enterprises

Pros

  • Personalized service
  • Competitive rates

Cons

  • Limited online information

Sources: https://www.fundingagent.co.uk

2. Century Business Finance

Century Business Finance Century Business Finance offers fast, straightforward finance solutions with same-day approval for SMEs in the UK. It serves small and medium-sized enterprises seeking quick access to funding for growth, acquisitions, or working capital. The platform provides flexible terms and transparent processes, suitable for businesses that want a responsive lender with clear options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-5 years⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: SMEs

Pros

  • Fast approval
  • Simple process

Cons

  • Interest rates vary based on creditworthiness

Sources: https://www.centurybusinessfinance.co.uk/unsecured-business-loans

3. Barclays

Barclays Barclays provides diverse business finance options, including unsecured loans suited for franchise buyers and small enterprises. It supports businesses looking for flexible repayment plans and competitive rates. The platform caters to those requiring quick decisions and straightforward processes for funding growth or working capital.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1-5 years⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: SMEs, Various

Pros

  • Flexible terms
  • No early repayment fees

Cons

  • Rates based on personal circumstances

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

4. Merchant Savvy

Merchant Savvy Merchant Savvy offers a comparison platform for business loans, specialising in fixed-rate and straightforward options. It is suitable for SMEs seeking quick access to funding without collateral, often used for operational expenses or modest growths. The service connects clients with lenders offering fast, transparent decisions and clear terms.

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 6%
  • Max APR: 10%
  • Loan Duration: 1-5 years⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • No application fee
  • Fixed interest rate

Cons

  • Limited to smaller loan amounts

Sources: https://www.merchantsavvy.co.uk/business-finance/business-loans/

5. Portman Finance Group

Portman Finance Group Portman Finance Group offers business loans designed for quick access and flexible repayment options. It works with various sectors and provides loans without the need for collateral or personal guarantees. Suitable for businesses seeking responsiveness and adaptable terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 13.2%
  • Loan Duration: 3-72 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • No personal guarantee needed for eligible businesses
  • Fast decisions

Cons

  • APR can be high for short-term loans

Sources: https://portmanfinancegroup.co.uk/business-loans/

6. Funding Circle

Funding Circle Funding Circle specialises in peer-to-peer lending, offering quick and flexible loans for small and medium-sized enterprises. It connects businesses seeking growth capital with investors, providing transparency and competitive rates. It is often used by firms looking for a straightforward, online process with rapid decisions.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-72 months⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Small Business

Pros

  • Fast process
  • No early settlement fee

Cons

  • Initial one-off fee

Sources: https://www.fundingcircle.co.uk

7. 365 Finance

365 Finance 365 Finance provides flexible funding options that typically support repayments based on a percentage of sales. It is suitable for businesses that prefer revenue-linked repayments over fixed monthly payments. The platform offers quick decisions and straightforward application processes, making it ideal for SMEs seeking adaptable finance.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Various

Pros

  • Repay based on sales
  • No APR

Cons

  • Monthly repayment amounts can vary

Sources: https://www.365finance.co.uk

8. NatWest

NatWest NatWest offers a broad range of business finance options, including unsecured and secured loans for UK businesses. Its services cover working capital, growth finance and sector-specific solutions for franchise operators and SMEs. Known for fast processing and flexible criteria, it suits businesses needing quick access and varied funding types.

Loan Details

  • Min Amount: £0
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Retail, Commercial, Private Banking

Pros

  • Wide range of services
  • Strong industry expertise

Cons

  • Loan terms vary

Sources: https://www.natwest.com/business/sector-expertise.html

9. MAF Finance Group

MAF Finance Group MAF Finance Group provides tailored business finance solutions, including secured and unsecured options. It connects borrowers with a broad network of lenders for flexible funding needs. The firm serves SMEs looking for customisable borrowing options, whether for expansion, working capital, or refinancing projects.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3-72 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • Tailored finance options
  • Access to specialist lenders

Cons

  • Rates not published online

Sources: https://maffinancegroup.co.uk/products/business-loans

10. Lending Expert

Lending Expert Lending Expert offers a comparison service for business loans, focusing on finding competitive and transparent APRs. It caters to SMEs looking for straightforward funding options with a quick and easy application process. The platform helps businesses match their financing needs with the best available offers in the market.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 2.9%
  • Max APR: 4.66%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • Low starting APRs
  • Comprehensive market comparison

Cons

  • Offers are contingent on credit assessment

Sources: https://www.lendingexpert.co.uk/business-loans/

How to choose

When selecting a lender for an 80 thousand pounds loan, it is important to match the loan size and interest rate with your budget. Consider whether you need a quick decision or flexible repayment plans. Evaluate your eligibility criteria, fees, and early repayment conditions. Choosing between a bank or online platform depends on your preference for speed, security, and personal service. Comparing providers ensures you find the most suitable option for your needs.

Conclusion

Matching the right lender depends on your borrower's profile and how you plan to use the funds. Banks like NatWest or Barclays are suitable for larger, secured, or sector-specific loans. Online platforms like Funding Agent offer quick, unsecured options for smaller needs or franchise buyers. Brokers or specialised lenders can match flexible terms to more complex or high-value requests. Always verify current costs and terms with the lender before proceeding. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is an unsecured business loan?
Can I get an £80k unsecured loan without a credit history?
What are the typical interest rates for unsecured business loans?
How long does it take to get approved for an unsecured business loan?
Are there fees associated with unsecured business loans?
What criteria do lenders use to approve unsecured business loans?

Get Funding For
Your Business

Generate offers
Cta image
Apply now