Kelvin has been wonderful in helping us find the right financial solutions for our growing company.
Louise Newton
Flexible finance to grow your business – without the need for collateral
Kelvin Smith
Kelvin’s advice and support was invaluable during a really difficult time for my business. I’d highly recommend.
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Although they couldn’t assist with what I needed at the present time they were very helpful, thanks Kelvin.
I have had serious business advice expertly delivered to me by the MD of this company Keith Humphreys who I judge to be an experienced financial professional who is highly competent and effective.
Kelvin was very encouraging when we came to him about business finance. We didn’t have the capital we needed at the time, but he was all about finding solutions, not creating more obstacles. With his help we’ve secured the extra financing and our business has grown as a result.
Send Kelvin a message
Unsecured Business Loans
Unsecured business loans provide fast and flexible funding without requiring assets as security. Whether you’re expanding operations, managing cash flow, or investing in new opportunities, an unsecured business loan can help your business move forward with confidence.
Want to know more?
Call us to find out how an Unsecured Business Loan
can help you to grow your business.
What is an Unsecured Business Loan?
An unsecured business loan allows you to borrow money without putting up assets such as property or equipment as collateral. Instead, lenders assess your creditworthiness, trading history, and financial performance to determine eligibility. These loans are ideal for businesses looking for quick access to funding without the risk of securing it against valuable assets.
How Do Unsecured Business Loans Work?
- Loan Amounts: Typically range from £5,000 to £750,000, depending on the lender and your financial profile.
- Repayment Terms: Usually between 3 months and 5 years, offering flexible options to suit your business.
- Eligibility Criteria: Based on factors such as your turnover, trading history, and credit profile rather than physical collateral.
- Approval Speed: Funds can often be released within 24 to 48 hours, making unsecured business loans a fast finance solution.
Unsecured vs. Secured Business Loans – What’s the Difference?
| Feature | Unsecured Business Loan | Secured Business Loan |
|---|---|---|
| Collateral Required? | No | Yes (property, equipment, or other assets) |
| Loan Amounts | Up to £750,000 | Often higher |
| Approval Speed | Fast (24-48 hours) | Slower due to asset valuation |
| Risk Level | Higher for lender (leading to higher interest rates) | Lower risk for lender (potentially lower rates) |
| Best For | Businesses needing fast, flexible funding | Businesses with assets and long-term finance needs |
Who Can Benefit from an Unsecured Business Loan?
Unsecured business loans are suitable for:
✔ Small and medium-sized businesses needing working capital
✔ Companies investing in growth without tangible assets to secure lending
✔ Startups and early-stage businesses with strong turnover but limited assets
✔ Businesses facing seasonal fluctuations or unexpected expenses
What Can an Unsecured Business Loan Be Used For?
✔ Boosting working capital – manage day-to-day expenses and cash flow
✔ Business expansion – open new locations, hire staff, or invest in marketing
✔ Stock and inventory purchases – buy in bulk to meet demand
✔ Equipment and technology upgrades – keep up with industry advancements
✔ Bridging short-term cash flow gaps – handle unexpected costs or opportunities
Why Choose Pinpoint Finance for Your Business Loan?
At Pinpoint Finance, we specialise in helping businesses secure the right funding solution. Our expertise ensures:
✔ Access to multiple lenders – increasing your approval chances
✔ Fast application process – get a decision in as little as 24 hours
✔ No additional broker fee – transparent pricing with no hidden costs
✔ Personalised support – expert advisers to guide you through the process
Pinpoint Finance: Your Partner in Business Growth
At Pinpoint Finance, we understand that securing fast and flexible funding is crucial for business success. That’s why we provide access to various unsecured business loan lenders, helping businesses secure the capital they need—without requiring tangible security.
Our experienced business finance specialists in York offer expert guidance backed by FCA regulation and NACFB membership, ensuring the highest industry standards. With access to over 100 lenders and extensive knowledge of the UK finance market, we find tailored solutions that support your business ambitions.
With a commitment to transparent advice, fast approvals, and exceptional customer service, Pinpoint Finance is your trusted partner in securing the funding you need to grow.
Frequently Asked Questions
A. Approval times vary, but many unsecured business loans can be approved within 24 to 48 hours, with funds released shortly after. The speed depends on factors such as your credit profile, trading history, and the lender’s requirements.
A. A strong credit score can improve your chances of approval and help secure better interest rates. However, some lenders offer unsecured loans to businesses with less-than-perfect credit, focusing instead on turnover and trading history.
A. Unsecured business loans typically range from £5,000 to £500,000, depending on your business’s financial health and the lender’s criteria. Higher loan amounts may require a personal guarantee from the business owner.
A. Many lenders perform a soft credit check during the initial application, which does not impact your credit score. A hard credit check may be conducted before final approval, which could have a temporary impact. It’s always best to check with your broker or lender before applying.
A. Yes, most lenders require a personal guarantee for unsecured business loans. While the loan does not require tangible security, a personal guarantee means that if your business is unable to repay the loan, you will be personally responsible for the debt. However, this guarantee is typically not formally secured against your home.
Apply for an Unsecured Business Loan Today
Ready to secure a business loan for your business? Our team at Pinpoint Finance is here to help. Whether you’re looking for working capital or funds to grow, we’ll find the right solution tailored to your needs.
Get in touch today to explore your options and take the next step toward business growth.
At Pinpoint Finance, we offer the following products and services for Business Finance & Mortgage customers:
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