Unsecured business loans
Fast funding without putting property up as security, usually backed by a director's guarantee.
Commercial finance
Business loans and working capital for UK SMEs
Funding to grow, hire, buy stock or smooth cash flow. We compare secured and unsecured options across high-street, challenger and specialist lenders, and structure repayments around how your business actually trades.
What we arrange
Funding to run and grow your business
The right facility depends on what the money is for and how it will be repaid. We'll explain the options in plain English.
Secured business loans
Larger amounts and longer terms, secured on business or personal property.
Revolving credit facilities
Draw, repay and redraw up to a limit. Pay interest only on what you use.
Invoice finance
Release cash tied up in unpaid invoices through factoring or invoice discounting.
Refinancing
Move expensive or short-term borrowing onto better terms, or consolidate facilities.
Management buy-outs and acquisitions
Funding to buy a business or buy out a fellow shareholder.
At a glance
Typical business loan terms
Every deal is different. These are the ranges we commonly see.
| Loan size | £25,000 to £5 million+ |
|---|---|
| Term | 1 to 10 years |
| Security | Unsecured, or secured on property or assets |
| Repayment | Monthly, with some lenders offering capital holidays |
| Time to funds | From a few days (unsecured) to several weeks (secured) |
Indicative ranges across the lenders we work with. Actual terms depend on the lender, your business, the security offered and status. Finance is subject to lender approval.
Who it's for
- Limited companies, LLPs and partnerships trading in the UK
- Businesses planning growth, hiring or new contracts
- Seasonal businesses that need working capital between peaks
- Owners looking to refinance existing borrowing
What lenders will usually ask for
- Last two years' filed accounts
- Recent management accounts and bank statements
- Details of existing borrowing
- A short explanation of what the funds are for
- Director identification and address checks
How it works
From first call to funds in your account
Tell us what you need
A short enquiry or call about the amount, the purpose and your business.
We build your case
We prepare the figures, security and story in the format lenders expect.
We approach lenders
We go to the lenders whose appetite fits your deal and negotiate terms.
We see it through
We manage valuations, solicitors and conditions until funds are released.
Questions
Commercial finance FAQs
How quickly can I get a business loan?
Unsecured business loans can fund within days once documents are in. Secured loans take longer because of valuations and legal work, typically three to eight weeks.
Do I need security for a business loan?
Not always. Many lenders offer unsecured loans backed by a personal guarantee from the directors. Larger amounts or longer terms usually need property or asset security.
Will an enquiry affect my credit score?
No. Our initial conversation and enquiry do not involve a credit search. Lenders may run checks later, and we will tell you before that happens.
Can you help if my business has had a difficult year?
Often, yes. Some lenders look at current trading and future contracts rather than just last year's accounts. Tell us the full picture and we'll be straight about your options.
Related finance
Other ways we can help
Asset finance
Hire purchase and leasing for equipment and vehicles.
Find out moreCommercial mortgages
Owner-occupied and investment property finance.
Find out moreTrade finance
Letters of credit, import loans and stock finance.
Find out moreLet's talk about your funding needs
Two minutes to enquire. A broker replies within one working day.