0161 241 2365

  • Home
  • Business Funding
    • Asset Finance
    • Invoice Finance
    • Merchant Cash Advance
    • Unsecured Loans
    • Secured Loans
    • VAT Loans
  • Property Funding
    • Bridging Loans
    • Commercial Mortgages
    • Development Finance
  • Resources
    • Business Bank Accounts
    • Car Finance
    • Card Machines
    • Cash Flow Spreadsheet
    • Pitch Deck
  • Apply
  • Contact Us
  • More
    • Home
    • Business Funding
      • Asset Finance
      • Invoice Finance
      • Merchant Cash Advance
      • Unsecured Loans
      • Secured Loans
      • VAT Loans
    • Property Funding
      • Bridging Loans
      • Commercial Mortgages
      • Development Finance
    • Resources
      • Business Bank Accounts
      • Car Finance
      • Card Machines
      • Cash Flow Spreadsheet
      • Pitch Deck
    • Apply
    • Contact Us

0161 241 2365

  • Home
  • Business Funding
    • Asset Finance
    • Invoice Finance
    • Merchant Cash Advance
    • Unsecured Loans
    • Secured Loans
    • VAT Loans
  • Property Funding
    • Bridging Loans
    • Commercial Mortgages
    • Development Finance
  • Resources
    • Business Bank Accounts
    • Car Finance
    • Card Machines
    • Cash Flow Spreadsheet
    • Pitch Deck
  • Apply
  • Contact Us

Unsecured Business Loans

Funding That Fits Your Needs!

Unsecured Business Loans

Unsecured business loans offer greater flexibility for small and growing businesses that want to access finance without offering an asset, such as property or collateral, as security for the loan.


An unsecured business loan is a type of finance that does not require the borrower to provide security. Because the loan is ‘unsecured’, businesses aren’t at risk of losing valuable business equipment, property or land when they choose this funding route.

Unsecured business loans offer a straightforward funding solution for UK businesses. You could borrow up to £500,000 without having to secure the loan against important company assets.


Did you know: Unlike a secured business loan, which requires you to offer tangible assets as security against the loan, unsecured business loans can be accessed quickly and repaid over a short or medium term.


A business loan without security provides a flexible source of funding for businesses that lack assets or do not want to secure them against a loan. You can access finance often within a couple of hours – and simply pay it back within an agreed timeframe.

Unsecured Business Loan

Flexible Financing for Growing Businesses

Find the Right Financial Support

What is an unsecured business loan?


We offer a range of unsecured business loan options designed to support businesses of all sizes. Whether you're launching a startup or looking to grow your existing business, we have flexible finance solutions to suit your needs:


  • Limited Company Loans – If your business is registered with Companies House, we can help secure the funding needed for growth and expansion.
  • SME Business Loans – Whether you're a small or medium-sized enterprise, we can connect you with lenders to meet your business finance requirements.

Our unsecured loan options provide fast and flexible funding without the need for collateral, making it easier for businesses to access the capital they need.

Unsecured Business Loan

Apply Now

To compare what loans or facilities we have available for your business, please click get started and tell us more about you and your business.

Get Started

Frequently Asked Questions



The duration of an asset finance agreement is flexible, depending on factors such as the asset’s lifespan, the business’s repayment preferences, and the lender’s terms. 


This flexibility ensures businesses can choose a repayment period that aligns with their financial strategy and operational needs.


Unsecured business loans provide businesses with upfront capital without the need for collateral. Unlike secured loans, these do not require assets such as property or equipment to be used as security.


With an unsecured business loan, you receive a lump sum from the lender and repay it through fixed monthly instalments at a pre-agreed interest rate. The repayment period can vary depending on the lender and the amount borrowed. Since there is no security involved, interest rates tend to be higher than those of secured loans.


There are various unsecured business loan options available in the UK, offering flexible terms to suit different business needs. These loans are ideal for businesses looking for quick access to funds without the risk of tying up valuable assets.


The key distinction between secured and unsecured business loans lies in collateral.


  • Unsecured Business Loans – These loans do not require assets as security, making them a higher risk for lenders. As a result, interest rates are generally higher, and lending criteria can be stricter.


  • Secured Business Loans – These require collateral, such as property, equipment, or other valuable assets. Because the lender has security, interest rates tend to be lower, and businesses may access larger loan amounts.


Secured vs. Unsecured Business Loans for Small Businesses


Smaller businesses often have fewer assets available, making unsecured loans a more common option. However, if a business owns assets such as property, it may still be eligible for a secured business loan.


Before choosing a secured loan, it’s important to assess your cash flow and understand the risks involved. If your business struggles with repayments, you could lose the asset used as collateral.



Connect With Us


Copyright © 2025 Funding Flow - All Rights Reserved.


FLUX FINANCE LTD T/A Funding Flow is REGISTERED IN ENGLAND AND WALES COMPANY NUMNER 16351291 an independent COMMERCIAL finance broker, not a direct lender. We are able to connect you with a variety of finance providers based on your specific needs and circumstances. Please note that we are not independent financial advisors and are unable to offer independent finance advice. Additionally, we are not regulated by the FCA as we do not provide regulated products. If you choose to enter into an agreement with a finance provider, Funding Flow will receive payment or other benefits from the provider. We will receive commissions from our lending partners. Our goal at Funding Flow is to deliver the highest quality service to our customers. If our service does not meet your expectations, we will make every effort to resolve any issues.

  • Home
  • Asset Finance
  • Invoice Finance
  • Merchant Cash Advance
  • Unsecured Loans
  • Secured Loans
  • VAT Loans
  • Privacy Policy
  • Bridging Loans
  • Commercial Mortgages
  • Development Finance
  • Business Bank Accounts
  • Car Finance
  • Card Machines
  • Apply
  • Contact Us
  • Flow Blog

Welcome to Funding Flow

Fast Funding Solutions To Help You Thirive & Grow!


Apply Now

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept