Unsecured Business Loans up to £1,000,000.
Access unsecured business loans from lenders that assess your trading profile, cash flow, affordability, and recent bank statements rather than requiring property or equipment as security.
How much do you need?
When an unsecured business loan may be useful
Unsecured finance can suit businesses that need funding for growth, stock, marketing, recruitment, cash flow, or unexpected costs but do not want to offer business assets as security. Lenders still need to understand affordability, trading history, and repayment strength before making an offer.
How Fundify Funding supports the enquiry
Fundify Funding is a broker, not a lender. You submit one enquiry, and we review the details against our lending panel, helping identify lenders that may fit your sector, turnover, funding amount, and document position.
What this funding can support
The right option depends on lender criteria, affordability, and the documents available for review.
Funding enquiries from £1,000 to £1m
No property, vehicle, or equipment security required
Useful for growth, working capital, stock, or project costs
One broker review before lender matching
Lenders We Work With
Our lending panel includes names such as the providers below. Availability depends on lender criteria, your business profile, affordability, and document review.
What an unsecured business loan means
An unsecured business loan is borrowing that does not usually require the business to pledge a specific asset, such as commercial property, a vehicle, or a piece of equipment, as security for that loan. This can be relevant to businesses that need access to capital but do not own suitable assets, or that prefer not to tie a particular asset to the facility. It does not mean the lender skips its checks. Lenders still assess the business, its trading history, financial position, affordability, and the purpose of the borrowing before deciding whether to make an offer.
The word “unsecured” also does not automatically mean there are no personal obligations. Depending on the lender and application, a director may be asked to provide a personal guarantee. A guarantee is different from taking security over a named business asset, but it can still create a serious financial commitment for the person providing it. Read the terms carefully and ask the lender to explain any guarantee, fees, default provisions, or other obligations before agreeing. The exact structure depends on the offer, so use the agreement itself as the definitive description of what is required.
Common reasons businesses explore unsecured funding
Businesses consider unsecured borrowing for a range of defined needs. A retailer might need to purchase stock ahead of a busy period, while a service company may be planning recruitment or investment in equipment that supports a new contract. Other enquiries relate to marketing, refurbishment, technology, bridging a timing gap between expenses and receipts, or managing an unexpected cost. The suitability of borrowing depends on the details of the request and the business’s ability to repay, not simply on whether the planned use sounds like a common example.
Before applying, estimate the amount required and connect it to a practical plan. For a growth investment, consider the likely costs, timing, and expected benefit. For a cashflow gap, identify why the gap has occurred, how long it may last, and what income or other event is expected to cover repayments. If the need is ongoing rather than temporary, review whether a different type of facility may be more suitable. Fundify Funding can discuss the enquiry and compare routes where available, while the lender makes its own assessment and decision.
What lenders may consider
Lender's criteria differ, but a review may consider how long the business has traded, its turnover, recent cashflow, existing borrowing, and the consistency of income. The lender may look at business bank statements to understand money coming in and going out, regular commitments, and how the account is managed. The sector, ownership structure, requested amount, and proposed use can also affect which options are available. There is no single factor that guarantees approval, and meeting one lender’s criteria does not mean another lender will reach the same decision.
Affordability matters because the business needs to meet repayments alongside ordinary operating costs and existing commitments. Think through how payments would fit in both a typical month and a quieter trading period. If revenue is seasonal, depending on a small number of customers, or fluctuates significantly, explain that context accurately. A clear and complete picture can help a lender understand the enquiry; it cannot replace the lender checks or guarantee a particular rate, amount, or outcome.
How much should you request?
Start with a costed view of the requirement. Include the direct cost of the project or purchase and any related expenses that are part of the same plan. Then consider whether the proposed repayments remain manageable after normal bills, wages, tax, supplier costs, and other finance payments. Borrowing more than the business needs can increase the overall cost and payment burden, while requesting too little may leave the original purpose only partly funded. A realistic figure is more useful than choosing an amount based solely on the maximum that might be available.
The amount shown in the hero slider is an enquiry starting point, not an offer or promise of eligibility. The amount ultimately available depends on lender's appetite, the information reviewed, affordability, and the terms offered. Use the slider to set up the amount you want to discuss, then provide the business context in the enquiry. If your plans or figures change, update the information so that any lender review is based on your current requirement.
Compare the full cost and terms
When reviewing an offer, look beyond the amount paid into the business. Compare the total amount of repayable, repayment frequency, length of the agreement, interest or factor rate, and any arrangement or administration charges. Check whether the payment is fixed, how missed payments are handled, and whether early repayment is allowed or carries a charge. If a personal guarantee or other commitment is included, make sure you understand when it may be relied on and what liability it creates. Ask for clarification before signing if any part of the offer is unclear.
The lowest regular payment is not always the lowest total cost, since a longer repayment period can affect the amount paid overall. Likewise, a faster funding timeline may be useful when a deadline is closed, but it should not replace a careful review of the terms. Compare offers on the same basis and account for all fees and obligations. Make sure the payment schedule aligns with when the business normally receives income and allow room for ordinary changes in trading.
Take time to consider the decision with anyone who shares responsibility for the business or may be asked to guarantee the borrowing. The business should understand both the intended benefit and the downside if sales, a contract, or customer payments do not develop as expected. If the repayment plan only works under an optimistic forecast, reconsider the amount or timing before committing. A finance broker can help explain the process and present available options; you decide whether an offer is appropriate for your business.
Documents and information to prepare
Recent business bank statements have been commonly requested, often for the last six months. A lender may also request company registration information, director details, proof of identity, management accounts, tax information, or details of existing finance. The documents needed depend on the lender and the circumstances of the application. Keep the information accurate and consistent and make sure statements and supporting records cover the period requested. If a document is not available, say so rather than guessing or submitting information that may be out of date.
It helps to prepare a concise explanation of the funding purpose, the amount, and the timing. Describe how the funds will be used and what the expected repayment source is. If the request relates to an invoice, contract, purchase order, seasonal cycle, or one-off cost, have relevant details ready in case they are requested. Also note existing loan or finance commitments so that the overall picture is clear. These steps can reduce avoidable back-and-forth, although the lender may still need to ask further questions or run its own checks.
Fundify Funding is a finance brokerage, not a lender. We review the enquiry and may introduce it to lenders whose criteria appear relevant. Each lender is responsible for its own underwriting, credit checks, offer, and final decision. An introduction is not approval, and a review does not guarantee a funding amount or date. Read any offer and related documents carefully before deciding whether to proceed. You can start a funding application or compare other business funding options before applying.
How the broker process works
Fundify Funding keeps the enquiry focused, so your business is not repeating the same application across multiple lenders.
Share the funding need
Tell us the amount, purpose, business details, and preferred timing.
Upload supporting documents
Recent business bank statements help lenders assess turnover and cash flow.
Compare suitable options
We review lender fit and explain the next steps before you proceed.
Prepare before you apply
Stronger enquiries are usually clear about the amount needed, the purpose of the funding, and how repayment will be supported. Start your application when you have those details ready.
For more background, read our guide to revolving credit versus term loans or compare the full range on the business loans page.
Documents lenders often review
- Six months of business bank statements
- Company and director's details
- Funding purpose and preferred amount
Frequently Asked Questions
Ready to find the right funding?
Start one enquiry for unsecured business loans, working capital finance, or short-term business funding.