Unsecured Business Loans
Fast, flexible funding—no assets required
Not every business wants (or is able) to borrow against property or equipment. An unsecured business loan gives you quick access to capital without putting up assets as collateral. For asset-light businesses, or for those who simply prefer not to leverage existing property, it’s a straightforward and flexible option.
Loan sizes usually range from £10,000 up to £2 million, with repayment terms between 3 months and 6 years. Because these loans are unsecured, most lenders will require a personal guarantee from a director or shareholder.
At GIFCO, we keep the process simple. We connect you with trusted lenders, manage the application from start to finish, and ensure the facility is set up in a way that’s transparent and compliant—so you can focus on running your business.
What is an Unsecured Loan?
Unlike secured loans, unsecured business loans don’t rely on physical assets. Approval is based on your business’s financial profile, supported by a personal guarantee.
They’re often a good fit if:
Many unsecured loans also come with flexibility to overpay or settle early without penalty.
Who Unsecured Business Loan Qualifies?
Unsecured business loans are available to a wide range of UK businesses, including:
- Sole traders and family businesses
- Professional practices (e.g. accountants, solicitors, medical practices)
- Limited companies (Ltd)
- Public limited companies (PLC)
Typical eligibility includes:
- At least 6 months of trading history
- Minimum monthly turnover of £5,000
- A UK-registered business structure (Ltd, LLP, or PLC)
The exact amount available will depend on turnover, credit profile, and lender criteria—but established businesses can access facilities of up to £2 million.
If you are unsure, please give one of our helpful team a call
Why Unsecured Business Loans?
At GIFCO, unsecured lending isn’t just about speed—it’s about finding the right funding fit for your business, backed by full compliance and clear guidance at every stage.
