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Apply for an Unsecured Business Loan to Grow your Business  


With an unsecured business loan, your personal and business assets won't ever be at risk. 

Our automated technology lets us get your business financed quicker than any other broker in the UK. Unsecured business loans get processed faster as valuations aren't required.

We supply unsecured business loans for any purpose to thousands of business owners like you. 

Apply for an unsecured business loan and borrow up to £500,000,  with funds available in 24 hours.


unsecured business funding

Credit never impacted

unsecured business finance

Funds up to £500,000

unsecured business loan

Interest rates from 2.9%

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unsecured loans for business

We've lent small business owners over £30m.



How Unsecured Business Loans Work



  • step 1
  • Apply

    Our online form only takes a few mins.

  • step 2
  • Approve

    We'll give you a fair credit decision.

  • step 3
  • Sign

    Sign the docs from any device.

  • step 4
  • Receive

    Funds can be in your account same-day.

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Find out how much you can borrow

How much would you like?


Why Apply for An Unsecured Business Loan with Us


fast unsecured business loans


Available 24/7

You can apply for a loan whatever time of day or night.

unsecured business loans uk


Completely Automated

Complete our short online form - get your fair credit decision. 

unsecured small business loan


What Suits You

Flexible repayment terms up to 5 years. Never any hidden fees.



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Examples of what your business loan could be used for


Your business' success is dependent on having enough capable employees. However, there can be large upfront and ongoing costs involved with growing your workforce. A business loan can help you with these costs.

Equipment finance:

Your business needs good quality equipment in order to carry out the work you require. Financing your equipment purchases takes the stress away from you. Additionally, investing in a repayment plan protects your cash flow.

VAT loans:

Use a loan to finance your quarterly VAT bill. The funds get paid directly to HMRC, making it easier for you to meet the payment deadlines and avoid any penalties. You then pay this back in affordable monthly instalments.

Expansion funding:

The success of your business is an exciting thing that that high overheads should not diminish. As your business grows and expands, your business expenses will rise alongside. A business loan can be used to cover workforce and premises expansion costs.


It is always beneficial to keep money within your business, if you happen to encounter any unexpected costs. Protecting your cash flow allows you to spend money on things that really need it, such as paying staff, renovating, tracking overdue payments..

Inventory purchases:

Buying stock in bulk is an excellent way to save money for your business, and allows you to always meet your customers' needs. Funding these additional inventory purchases with a business loan can convert said inventory into profit for you.



Speak with our account managers before you apply for an unsecured business loan

We're automated but it's always nice to know there's a real person behind the scenes to support you, so if you have any questions regarding unsecured business loans, or you're looking to enquire please don't hesitate to contact us.

Call 0800 086 9404 or Email Us
Office Hours are Monday to Fri 9:00am - 5:30pm

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Unsecured Business loan resources

Understanding Business Loan Rates

Learn how business loan rates can differ and what influences them.

Instant Business Loan Calculator

Calculate your repayments using our business loan calculator.

How Unsecured Business Loans Work

Read about the difference between secured loans vs. our unsecured loans.

Apply for a Start-up Business Loan

We've partnered with Transmit who specialise in funding start-up businesses.

Learn about Invoice Financing

Find out how to support your cash flow using invoice finance.

Guide to Small Business Loans

A comprehensive guide on everything to do with small business loans.

Instant Business Loans FAQ

What are general business loans?

A business loan is simply an amount of money from a lender forwarded to a commercial body for business purposes. Business loans are not regulated differently from any other type of loan, nor are they legally any different. Some loans, such as a personal loan (i.e. non-mortgage), generally have a no purpose clause - meaning that your business can use the loan for anything. However, a business loan strictly had to be used for commercial purposes. Business loans either come secured or unsecured, meaning that your assets are used as collateral (secured) or are not (unsecured).

How much is a small business loan?

Lenders may be reluctant to hand out large amounts of money to small business, but legally, there is no limit on the size of a business loan. Depending on the thing you want to finance, whether it is a piece of machinery, new land, a commercial vehicle, or just a general business loan to protect your cash flow; the amount of money you will want to loan (and you will receive) will be different. The size of the loan will depend on the amount of security you can put up against it. Love Finance lends out £5,000 to £500,000, which can be used to fund anything you want to help your business grow.

How do I apply for a Business Loan?

Love Finance wants to make the borrowing and lending process as simple as possible for our customers. We don't want you to deal with tons of red tape and lengthy application forms; instead, we look for a compelling business model and confident leadership. That's why we want to bring our speed to the forefront. It's what sets us apart from our competitors. We don't ask you to fill in loads of paperwork, favouring a speedy yet personal service. While we appreciate the recent, significant developments in cutting-edge technology (we use it too), we know it comes with limitations. So, unlike other lenders, we don't use algorithms to make our decisions. We genuinely believe that our process successfully brings you fast, fair and flexible approvals.


Parliament sets specific legal requirements in order to protect business owners who want to take out a loan. We must ensure that our clients comply with these requirements to protect themselves and us. We recommend that you have proof of regularly filed accounts and knowledge of your credit ratings or any CCJs (county court judgements) you might have. There are also requirements that lenders enforce to ensure that we are only ever supplying loans to people that can repay them. We never want to put you in a difficult position.

What are unsecured business loans?

An unsecured business loan is a type of finance that does not require you to provide security. This type of funding is an excellent option for businesses that don’t have enough assets to offer as collateral or companies that prefer not to provide security. Unsecured business loans are processed quicker than secured as there are no assets to evaluate, meaning an easier application process. Unsecured business loans are likely the best option for small businesses. Love Finance only offers unsecured business loans.

Can I repay my business loan early?

If you choose to do so, you can. And we never charge early repayment fees.

Can I get a startup business loan?

Unfortunately, we currently cannot provide loans to any businesses trading for under 12 months. However, we can point you in the direction of Transmit, who specialise in start-up loans. They'll know we have referred you if you write 'LOVE' in the referral box.

Can I apply for a business loan if I have a bad credit history?

Your credit score can be impacted by numerous varying factors. The most crucial factor is that you have paid any previous credit off quickly. The best thing you can do for your credit is to ensure that you always pay off credit on time. Additionally, make sure that you are entering into arrears on any other current lines of credit. If you have a bad credit history, it is likely that it will be harder to get a business loan. However, we will always be happy to look into your situation and work to find you alternative funding options.

What can my business loan be used for?

We finance a wide variety of different business assets. Whether you want to purchase some new machinery, extend your offices, give your staff a pay rise, buy a fleet of commercial vehicles, or just want a simple cash injection into your business - we can help you to finance it. You could also use the loan to help you fund your VAT bill, by bridging the gap between your working capital and what you owe HMRC.

Do you offer government recovery loans?

We can support businesses that haven't yet applied for the Recovery loan scheme. Simply request a quote and if eligible we will get you funded.