Unsecured Business Loans

Funding Without Tying Up Your Assets

Borrow what your business needs without pledging property or equipment as security. Approval is based on your business's performance, with funds often available within 24 hours.

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About Unsecured Business Loans

What is an unsecured business loan?

An unsecured business loan lets you borrow without pledging property, equipment or other assets as collateral. Instead, lenders base their decision on your business's creditworthiness and trading performance, which means your assets stay fully protected throughout the life of the loan.

Because there's no asset valuation or legal due diligence to complete, this route is typically faster to arrange than secured borrowing, making it a practical option when you need funds without delay.

Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.

Key Features

What you can expect

The headline terms currently available through our unsecured lending panel.

Loan Amounts

£10,000 to £2 million, sized to your business's trading performance rather than any asset value.

Competitive Rates

Fixed annual rates from 6.9%, agreed upfront so you know exactly what to budget for.

Fast Access

Funds can often reach your account within 24 hours of formal approval.

Open to All Sectors

Available to businesses across all sectors, assessed on their own financial merits.

How It Works

Four Clear Steps to Your Funding

We handle the complexity so you can focus on running your business.

Initial Enquiry

A short conversation about what you need. This early stage has no impact on your business credit score.

Advisor Assessment

A dedicated adviser reviews your funding requirement and gathers the essential business information.

Matched Solutions

We search our lender panel, prepare your application, and present a clear, no-obligation quote.

Funding Secured

Once approved, funds are transferred directly to your business account without unnecessary delay.

Is This the Right Fit?

When to consider an unsecured loan

This form of financing is particularly well suited to businesses that:

Need funding quickly, without the time needed for asset valuation or legal checks

Want to preserve business and personal assets rather than offering them as security

Have an established trading history and sound, demonstrable financials

Need flexibility to use funds across a range of purposes as circumstances change

Eligibility varies by lender and is assessed on your specific trading history and financials. Speak to an adviser for guidance specific to your business, there's no obligation.

Common Uses

Where this funding helps most

Unsecured funding is designed to flex around whatever your business needs it for.

Payroll and Overheads

Bridge short-term gaps so wages and essential outgoings are always covered on time.

Marketing and Growth

Invest in campaigns or new initiatives without drawing down your existing cash reserves.

Working Capital Shortfalls

Smooth over seasonal dips or unexpected costs while maintaining day-to-day stability.

Expansion Plans

Fund your next phase of growth, from new premises to additional stock or headcount.

Why Choose Nexora

Straightforward Access, Properly Explained.

Our advisers assess your situation against a broad panel of lenders, taking into account your trading history, sector and cash flow patterns, so the option we recommend is genuinely aligned with your business, not just the fastest one available.

Advisor-Led Approach

A dedicated adviser guides you personally, not an automated system.

Honest, Clear Guidance

We explain the trade-offs plainly, including where a product isn't the right fit.

Fast, Confidential Process

We respect your time and privacy throughout the enquiry.

No Obligation

Initial advice is free, with no pressure to proceed.

Speak to an Advisor

Free consultation. No obligation. No hidden fees.

FAQs

Unsecured business loan questions we're asked often

It's a form of financing that doesn't require you to pledge assets such as property or equipment. Approval is based primarily on your business's creditworthiness and trading performance.

Explore other funding routes

An unsecured loan isn't the right fit for every situation. Here are other options worth considering.

Ready When You Are

Access Funding Without Tying Up Your Assets

Talk to our commercial finance advisers today. It's free, confidential and with no obligation.