Unsecured business loans, matched to the right specialty lender
We forward your details to non-bank lenders and specialty providers across the UK and US who underwrite against cash flow, not collateral. Speed and flexibility for businesses without assets to pledge.
- Introduction in 48 hours
- Free for borrowers
- No credit checks from us
At a glance
- Facility size
- £25k - £500k / $30k - $600k
- Typical term
- 3 - 60 months
- Security
- None against business assets
- Rate type
- Fixed, monthly amortising
- Funding speed
- First draw in 3 - 10 days
Unsecured business loans: Fixed-term business loans without collateral - speed, simplicity, no asset to pledge.
What is unsecured business loans?
An unsecured business loan is fixed-term funding with no collateral required. Underwriting is based on the strength of your business cash flow, trading history, and creditworthiness - not on what you can pledge. Because the lender carries more risk, rates are typically higher than secured alternatives, but draw speed is faster and the application is lighter. Unsecured loans suit healthy businesses that need capital quickly and either lack the right assets to secure against, or simply don't want to.
Common uses, and who it's right for
Common uses
- Bridge a cash-flow gap
- Fund equipment without asset finance complexity
- Marketing and growth spend
- Hiring and payroll runway
- Working capital top-up
- Small acquisitions
Best for
- Healthy P&L with consistent monthly revenue
- Trading 6+ months with strong recent performance
- No suitable assets to pledge - or you want to keep assets unencumbered
- Need capital in days, not weeks
Not the right fit
- Loss-making or volatile cash flow (lenders won't underwrite)
- Facility size above £500k / $600k (look at secured alternatives)
- Long-term capex (longer-dated secured loans price better)
Where it usually goes wrong - and how Tenttfinance fixes it
Four typical pain points borrowers hit when shopping for unsecured business loans - and the way our introducer model is built to remove them.
Where it usually breaks
- Comparison sites run hard credit searches that show on your file
- Your bank declined, and you don't know which specialty lender will say yes
- Brokers spray your details to twenty lenders, and you get cold calls for weeks
- Quoted rates that turn out to be aspirational, not what you'd actually get
How Tenttfinance fixes it
- Tenttfinance never runs credit checks. We forward your details only when you ask; the partner checks credit only with your explicit consent at underwriting
- We forward to a non-bank lender with active appetite for your trading profile - not a generic referral
- We forward to one or two pre-matched partners. They reach out directly. That's it.
- We match to lenders whose published criteria fit your situation - so what they discuss is realistic, not a teaser
How to get matched to a unsecured business loans specialist
Three steps. Most introductions go out within 48 hours of a complete request.
Tell us about your business
Share the basics - business type, the unsecured business loans amount you need, use of funds, and timeline. Three minutes. No credit check.
We match and forward your details
We identify the unsecured business loans specialist most likely to fund your situation and forward your details directly to them - matched to your sector, size, and market (UK or US).
The lender contacts you
The specialist reaches out to you directly with their terms, documentation, and next steps. You take the conversation from there.
Unsecured business loans - frequently asked questions
The questions we hear most from borrowers exploring unsecured business loans. If yours isn't covered, start an application and we'll route you to a specialist who can answer it directly.
What's the typical interest rate?
Unsecured rates vary widely depending on your business profile, the lender, and the market. UK unsecured rates typically run from around 8% APR on the strongest profiles to 25%+ on higher-risk profiles; US unsecured rates run similarly. The lender will quote you a specific rate based on your data.
Will applying through you affect my credit score?
No - Tenttfinance does not run credit checks. We pass your details to the lender most likely to fund. The lender runs their own credit check only when you both agree to progress to formal underwriting.
What documents will the lender need?
Most unsecured lenders ask for 6-12 months of business bank statements, recent management accounts or a full year of trading data, and basic director information. You'll share these directly with the lender after the introduction, not with us.
Can I get an unsecured loan with bad credit?
Sometimes, yes. Specialty non-bank lenders can take a view beyond the credit score - particularly if recent trading is strong. We'll match to a lender whose appetite reflects your specific situation, but no broker can guarantee approval.
Personal guarantee - is one required?
Usually yes - most unsecured business loans come with a personal guarantee from a director, even though the loan itself isn't secured against specific business assets. A PG is different from charging an asset - it gives the lender recourse against you personally if the business defaults.
Related loan types
Not sure if this is the right fit? Here are other loan types we cover that often come up in the same conversations.
Get matched to the right unsecured business loans specialist
Tell us what you need. We'll forward your details to the specialist most likely to fund - and they'll reach out to you directly.