Unsecured Business Loans: Fast Funding Without Security

From £2,500 to £500,000 | FCA Regulated | Same-Day Decisions

Founded by Business Owners, for Business Owners

Need business funding but don’t want to put your assets at risk? Unsecured business loans give you access to capital without requiring property or equipment as security. Get £5,000 to £500,000 with decisions in 24 hours and funds within days.

Serving businesses across Milton Keynes, London, Birmingham, Manchester and throughout the UK, we help SMEs access the funding they need without the stress of putting valuable assets on the line.

Whether you’re covering cash flow gaps, funding growth, or dealing with unexpected costs, an unsecured business loan could be exactly what you need to keep moving forward.

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What Is an Unsecured Business Loan?

An unsecured business loan is funding that doesn’t require you to put up collateral like property, equipment, or other assets. The lender assesses your application based on your business’s financial health, trading history, and creditworthiness rather than what you own.

This means you can access the capital you need without the stress of potentially losing valuable business assets if things don’t go to plan.

 

Key Features:

  • No security required
  • Loan amounts from £5,000 to £500,000
  • Terms typically 6 months to 5 years
  • Fixed monthly repayments
  • Decision within 24-48 hours
  • Funds available within 2-7 days

Why Choose Unsecured Business Loans?

Unsecured business loans give you the freedom to grow without putting your hard-earned assets on the line. Here’s why thousands of UK businesses choose this flexible funding option over traditional secured lending.

Keep Your Assets Safe

Your property, equipment, and other valuable assets stay completely protected. Even if your business faces difficulties, lenders can’t seize your assets to recover the debt.

Speed When You Need It

Without the need for asset valuations and legal paperwork around security, unsecured loans move much faster. Most applications get approved within 1-2 days.

Flexible Use of Funds

Use the money however your business needs it. Stock purchases, equipment, marketing campaigns, staff costs, or simply smoothing out cash flow – the choice is yours.

Less Paperwork

No property deeds, asset valuations, or complex legal documentation. Just straightforward financial information about your business.

Who Can Get an Unsecured Business Loan UK?

Most UK businesses can qualify for unsecured funding, but lenders typically look for:

  • Trading history: Usually 6-12 months minimum
  • Annual turnover: Typically £50,000+ per year
  • Credit score: Reasonable business and personal credit
  • Bank statements: 3-6 months of recent statements
  • Profitability: Evidence your business generates consistent income

We work with lenders who support businesses across all sectors, from retail and hospitality to professional services and manufacturing.

How Much Can You Borrow?

Unsecured business loan amounts typically range from £5,000 to £500,000, though some specialist lenders go higher for established businesses with strong financials.

Loan amounts by business profile:

  • New businesses (6-12 months): £5,000 – £50,000
  • Established businesses (1-3 years): £10,000 – £150,000
  • Strong trading businesses (3+ years): £25,000 – £500,000+

The exact amount depends on your turnover, profitability, and repayment capacity. Most lenders will offer loans up to 10-20% of your annual revenue.

What Can You Use an Unsecured Business Loan For?

Unsecured business loans offer complete flexibility in how you use the funds:

Cash Flow Management

Bridge the gap between invoicing customers and receiving payment. Keep operations running smoothly during quiet periods or while waiting for large payments.

Stock and Inventory

Purchase inventory for seasonal peaks, bulk buying opportunities, or new product lines without tying up existing cash reserves.

Equipment and Technology

Buy essential equipment, upgrade IT systems, or invest in productivity-boosting technology to grow your business.

Marketing and Growth

Fund marketing campaigns, website development, or expansion into new markets to drive revenue growth.

Working Capital

Cover everyday business expenses like rent, salaries, utilities, and supplier payments during cash flow challenges.

Opportunity Funding

Take advantage of time-sensitive opportunities like bulk purchase discounts, new contracts, or business acquisitions.

Who are we?

Established in 2010, we have become the most personable business finance provider for UK SME’s.

Born out of necessity, RBF is a boutique commercial brokerage led by experienced finance and sector-specific professionals who understand the unique challenges faced by SMEs. Our mission is to provide sensible, ethical, and proactive lending solutions that empower businesses to grow and thrive.

We know that every business is unique, which is why we tailor our approach to deliver funding solutions and experiences that match your individual needs. By focusing on positive outcomes rather than rigid underwriting rules, we bring a human touch to the financial process.

Your success is our success

Explore our fantastic case studies, and successful customer stories.

Supporting solicitors with a work in progress loan

Equipment finance for Zen Beauty

New start business finance

Equipment loan franchise facility

Equipment facility financing

Unsecured Business Loan Interest Rates

Interest rates for unsecured business loans vary based on your business risk profile, loan amount, and term length.

Typical rate ranges:

  • Excellent credit/established business: 6% – 15% APR
  • Good credit/moderate trading: 12% – 25% APR
  • Fair credit/newer business: 20% – 35% APR

Remember, unsecured loans carry higher rates than secured options because lenders take on more risk. However, the speed and flexibility often make this worthwhile for businesses that need quick access to capital.

Unsecured vs Secured Business Loans: What’s the Difference?

Understanding the key differences helps you choose the right funding option:

Feature Unsecured Business Loans Secured Business Loans
Security Required None Property/assets required
Approval Speed 1-3 days typically 2-8 weeks typically
Interest Rates Higher (6-35% APR) Lower (3-15% APR)
Loan Amounts £5k – £500k usually £10K – £10M+
Risk to Assets None High
Paperwork Minimal Extensive
Ideal For Quick funding, no assets to secure Large amounts, long terms

For most SMEs needing funding quickly without risking assets, unsecured loans offer the perfect balance of speed, flexibility, and peace of mind.

Supporting Solicitors with a Work in Progress Loan

A first-year solicitors firm needed urgent funding to purchase work leads while waiting for client payments. Traditional lenders wouldn’t touch them, but we understood their business model.

Our solution: Flexible unsecured funding with 3-month turnaround options.

Results: 30% ROI every three months, with potential for 120% annually. The firm scaled operations while maintaining profitability.

“During our first year of business, RB Finance has been the helping hand we needed. Always on hand to assist, Shareen and Mark have our best interests at heart. They are dedicated, committed, and genuine.”

How to Apply for an Unsecured Business Loan

Submit your
business finance enquiry.
Lets discuss
your business and goals.
Allow us to
work our magic and secure finance.

Your finance is sorted.
Ready for your plans to begin.

Who We Help

We work with businesses of all shapes and sizes — from 3-month-old start-ups to 30-year veterans.

  • Limited Companies
  • Sole Traders & Partnerships
  • Franchises
  • New businesses & acquisitions
  • Businesses with previous credit issues
  • Companies that have been declined elsewhere

Even if others have said no — we’ll take the time to understand your situation and help where we can.

Frequently Asked Questions

Most decisions happen within 24-48 hours, with funds available 2-7 days after approval. Emergency funding can sometimes be arranged within 24 hours.

Most lenders want to see annual turnover of at least £50,000, though some specialist lenders work with businesses generating £30,000+ annually.

Yes, though options may be more limited and rates higher. We work with specialist lenders who focus on current trading performance rather than credit history alone.

Most lenders cap unsecured loans at £500,000, though some go higher for very strong businesses. Amounts above £250,000 typically require extensive financial documentation.

Many lenders allow early repayment, though some charge early settlement fees. We always negotiate the best terms and highlight any charges upfront.

Unlike secured loans, lenders can’t seize your assets. However, they may pursue legal action for debt recovery and it will impact your credit rating. Always discuss difficulties early with your lender.

Potentially, though most lenders prefer you consolidate existing borrowing. We can advise on the best approach based on your specific situation and funding needs.

We’re paid a commission by the lender once your loan completes – you never pay us directly. This means we’re motivated to find you the best deal, not just any deal.

Yes, we regularly help businesses that banks have turned down. Our network includes specialist lenders who look beyond credit scores to your actual trading performance.

We’ve been helping UK businesses access funding since 2010. Our team includes former bank managers who understand exactly what lenders want to see.

We’re business owners ourselves, so we understand the challenges you face. We take time to understand your needs rather than just pushing the first available product. No upfront fees, genuine advice, and we’re with you throughout the process.

Get in touch with us

We’re here to help! Whether you have a question about our services, need assistance with a funding enquiry, or want to learn more about how we can support your business, our team at Response Business Finance is ready to assist you.

This enquiry will not affect your credit score

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