What is the difference between secured and unsecured business loans?

Unsecured loans rely on your trading strength and usually a personal guarantee, with faster decisions but higher rates. Secured loans use property or other assets as security, offering larger amounts and lower rates over longer terms.

How much can my business borrow?

Unsecured loans typically range from £10,000 to £500,000; secured loans can be significantly larger. Lenders generally look at affordability against your last 12–24 months of trading.

Can I repay a business loan early?

Most lenders allow early repayment. Some charge an early settlement fee or interest for a notice period; we will make any such terms clear before you commit.

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Business Loans for UK Companies

Secured and unsecured business loans for expansion, acquisitions, refinancing or cash flow, compared across 165+ UK lenders.

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What can you use it for?

Expansion and new premises
Working capital and cash flow
Refinancing and debt consolidation
Stock and bulk purchases
Recruitment and marketing
Tax bills and one-off costs

Who can we help?

Limited companies, LLPs and partnerships trading 12+ months
Profitable SMEs wanting fast, flexible capital
Businesses declined or under-served by their bank
Property-owning companies able to offer security for larger loans
Firms consolidating expensive short-term debt

How much can you borrow?

£10,000 to £5m+

Unsecured loans typically run from £10,000 to £500,000 over 1–6 years with a personal guarantee. Secured loans against property or assets can be significantly larger, with lower rates and terms up to 25 years.

How quickly can funding be arranged?

Unsecured funds in 2–5 days

Unsecured decisions often come within 24 hours from open-banking and filed accounts, with funds in days. Secured loans take 3–6 weeks to allow for valuation and legal work.

Underwriting

What do lenders look for?

Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.

01Turnover and profitability over the last 12–24 months
02Bank statements and cash-flow trends
03Existing debt and affordability
04Director credit history and guarantees
05Security available for larger or longer loans

FAQ

Business Loans questions

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Tell us a little about your business and requirement. We'll compare business loans options from across 165+ UK lenders and come back to you with clear, tailored terms. No obligation, no impact on your credit score.