Quick and adaptable financing for your business.

Extend your business horizons with expedient and pliable loan choices. You can secure funds ranging from £1,000 to £500,000, featuring repayment terms of up to 60 months, and there are no penalties for early repayment.

  • Operational capital loans
  • Business launch financing
  • Value Added Tax (VAT) loans
  • Small-scale enterprise financing
  • Unprotected business loans
  • Collateral-backed business loans
  • Guaranteed business funding
  • Vendor cash advance
  • Research and Development (R&D) tax rebates
  • Financial recovery loan plan
  • Energy Bill Alleviation Initiative
  • Business inception funding
  • Corporate property mortgages
  • Growth financing
  • Collateral-backed business loans

Collateral-Backed Business Funding

A secured business loan allows you to acquire funding by pledging a business asset like real estate, machinery, or equipment as collateral for the required amount

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Discover your potential borrowing capacity

How Does a Merchant Cash Advance Operate?

The procedure is swift, uncomplicated, and direct. It's trouble-free, ensuring you won't need to deal with intricate documentation, allowing you to concentrate on expanding your business.

Complete your online application in a matter of minutes

We only require a handful of fundamental particulars to furnish you with a cost-free, commitment-free estimate. If your business processes transactions using a (PDQ) card terminal device, you may be eligible for a Merchant Cash Advance of up to £300,000. The borrowing limit is calculated based on your average monthly card sales and your total transaction volume.

Repayment Tied to Sales

Repayment is effortless and happens automatically. You establish a agreeable, consistent proportion (typically 10-20%) of your forthcoming card sales until the advance is settled. It's as straightforward as that! This approach is adaptable, which means during sluggish periods, your repayments are reduced, and during prosperous times, you repay more swiftly. All your physical cash earnings remain untouched.

Receive Funds in 24 Hours

Whether it's for expanding your inventory, acquiring new machinery, or simply an infusion of cash, a Merchant Cash Advance has assisted countless business clients throughout the United Kingdom in obtaining the financial support they require. Following approval, the funds could be deposited into your bank account within the same day.

What is a secured business loan?

  • A secured business loan lets businesses access funds by offering an asset as collateral for the loan. This type of lending is also referred to as asset-backed lending.
  • You can use a business asset, like property, equipment, machinery, or land, to secure the loan, though some lenders might accept other high-value assets
  • When you use an asset as a guarantee, it usually leads to better loan terms compared to unsecured loans. Opting for a secured loan also means you can access larger loan amounts, typically ranging from £5,000 to over £2 million, and benefit from more competitive interest rates.
  • Secured loans can be a viable funding option even if you have a poor credit history. Lenders are more inclined to consider your application when you offer an asset as security.
  • However, it's important to note that secured business loans carry some level of risk for the borrower, so it's crucial to weigh the potential advantages and disadvantages before applying for one.

What are the advantages of secured business loans?

  • Repaying a secured business loan is often more cost-effective compared to an unsecured business loan, given that the repayments and interest rates tend to be lower. Lenders provide increased flexibility in their funding arrangements, offering generous repayment terms that can extend up to a decade.
  • Access to larger loan amounts, ranging from £5,000 to over £2 million.
  • The potential to secure up to 100% of the asset's value.
  • Longer repayment periods of up to 10 years.
  • Lower interest rates resulting in smaller monthly repayments.
  • Suitability for businesses with poor or unfavorable credit histories.
  • A medium to long-term funding solution.
  • Our funding providers have the potential to approve your secured business loan application within 48 hours! Apply online now to explore the fast and free funding options available to you.Apply online now to see the funding options you’re eligible for – it’s fast and free!

How does a secured business loan function?

  • Typically, a secured business loan involves the use of a high-value asset as collateral, such as a commercial property or residence. Other assets, like equipment, machinery, vehicles, and inventory, may also serve as collateral. The application process shares similarities with applying for a mortgage and may include a valuation step.
  • The majority of secured business loans come with fixed interest rates, and borrowers make monthly payments over an extended period until the loan is fully repaid. It's essential to note that if you fail to meet your repayment obligations, there is a risk that the lender may repossess the collateral asset.
  • 1)You opt to utilize your commercial property as collateral.
    2)You decide to borrow £150,000 for a 5-year term.
    3)You'll make 60 monthly payments of approximately £3,187.06 each.
    4)The total cost of the loan will amount to £191,223.60.

What forms of collateral can be used to secure the loan?

  • Most lenders typically accept a wide range of tangible and intangible business assets as collateral for securing the loan. Some common examples of these assets include:
    Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • In certain situations, lenders may consider a combination of assets to secure the loan. Additionally, you might be able to use personal assets like a car, residential property, or shares as collateral for your secured business loan. Sometimes, lenders may also require a debenture or a personal guarantee as an additional form of security.

What distinguishes tangible from intangible assets?

  • Tangible assets are physical, meaning you can touch and see them. In contrast, intangible assets are non-physical, meaning you can't physically interact with them. Specialized lenders may accept intangible assets as collateral, but determining their value can be more challenging compared to traditional physical assets like real estate or equipment. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.

What are the advantages of secured business loans?

  • Secured business loans come with various advantages when compared to unsecured loans, most notably more attractive interest rates. Nonetheless, similar to any financial product, they are accompanied by their specific set of risks. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • Lower Interest Rates: Secured loans typically have lower interest rates compared to unsecured loans because they are less risky for lenders. Using an asset as collateral provides them with security.
  • Higher Loan Amounts: Since these loans are secured against valuable assets, you can usually borrow larger sums of money. The amount you can borrow is often linked to the value of the asset you provide as collateral.
  • Extended Repayment Terms: Secured loans often come with longer repayment periods, which can make your monthly payments more manageable.
  • Easier Approval: Even if you have a less-than-perfect credit history, you're more likely to be approved for a secured loan because the collateral reduces the lender's risk.
  • Flexible Use of Funds: You can typically use the funds from a secured loan for a wide range of business purposes, from expansion and investment to debt consolidation. – Is it possible to use a property with an existing mortgage as collateral for the loan? Certainly, you can. It's important to mention that if you're using commercial property or land as an asset, and it already has an existing mortgage, the lender may register either a legal charge or an equitable charge. Here's a breakdown of the distinctions between the two.

Is it possible to use a property with an existing mortgage as collateral for the loan?

  • Certainly, you can. It's important to mention that if you're using commercial property or land as an asset, and it already has an existing mortgage, the lender may register either a legal charge or an equitable charge. Here's a breakdown of the distinctions between the two Real estate , Machinery equipment , Vehicles and Personal or commercial assets.

What is a legal charge?

  • A legal charge provides the lender with the authority to sell the asset if you fail to make the agreed repayments. However, if consent is required from an existing lender, such as a mortgage provider, registering a legal charge can be a time-consuming process, and the funds may not become available for several weeks. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.

What is an equitable charge?

  • An equitable charge is an alternative method used by many lenders offering secured business loans. Unlike a legal charge, it does not grant the lender the power to sell the property if you default on your repayments. This means that the process of obtaining the funds is typically faster, and there is no requirement for consent from your existing mortgage provider. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • With an equitable charge, the funds can often be made available within hours of approval, providing a more streamlined and expedited lending process.

What if I lack business assets to use as collateral?

  • If you don't have the necessary assets to secure a business loan or prefer not to use your property as collateral, an unsecured business loan might be a more suitable option. Alternatively, we offer a variety of other business financing solutions that could be the right fit for your needs. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • Calculator for Secured Business Loans
  • You can utilize our online tool as a fast reference guide to approximate the interest costs and monthly payments for a secured business loan. Just enter the loan amount, APR, and the term's duration to get an estimate of your borrowing capacity and the overall finance cost.
  • Business Loans Without Collateral
  • Unsecured business loans provide enhanced flexibility for small and expanding businesses seeking rapid access to funding, all without the need to pledge an asset, like real estate or collateral, as security for the loan.
  • Assess your qualification status within minutes
    Compare across a diverse array of lenders
    Determine the potential loan amount available to you
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Unsecured Business Loans

Unsecured business loans provide enhanced flexibility for small and expanding businesses seeking rapid access to funding, all without the need to pledge an asset, like real estate or collateral, as security for the loan.

Assess your qualification status within minutes

Determine the potential loan amount available to you

Compare across a diverse array of lenders

What exactly is an unsecured business loan?

  • An unsecured business loan is a form of financing that doesn't necessitate the borrower to offer collateral.. Since it's termed 'unsecured,' businesses don't face the danger of forfeiting valuable business assets, such as equipment, real estate, or land when they opt for this funding method. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • Unsecured business loans present a simple funding solution for businesses in the UK. You have the potential to obtain up to £500,000 without the need to collateralize the loan with significant company assets.
  • This type of business loan, which doesn't require security, offers a versatile funding source for businesses that either lack assets or prefer not to pledge them against the loan. Quick access to financing is often possible, typically within a couple of hours, and you can easily repay the loan within an agreed-upon period.
  • We provide a range of unsecured business loan choices to assist businesses of all sizes, spanning from new startups to established limited companies. We offer the following unsecured business finance alternatives:
  • Startup business loans – Ideal for those embarking on a new business endeavor. Sole trader loans – Suitable for individuals operating as sole traders; we collaborate with numerous lenders catering to sole traders.
  • Self-employed loans – Our pool of lenders offers a variety of loan options for self-employed individuals.
  • Limited company loans – If your company is registered with Companies House, we can facilitate financing to support the growth of your limited company.
  • SME business loans – We can aid your small or medium-sized enterprise with its business finance needs if it is currently operational.

Is my business eligible for an unsecured business loan?

  • To be eligible for an unsecured business loan in the UK, your business should have a trading history of at least 4 months and an annual turnover of at least £10,000. Unsecured loan options are also available for sole traders. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • It's important to keep in mind that while you won't have to provide security against your loan with a personal or company asset, a good personal and business credit history may be necessary.
  • Your business should meet the following criteria:
  • We provide a range of unsecured business loan choices to assist businesses of all sizes, spanning from new startups to established limited companies. We offer the following unsecured business finance alternatives:
  • Operational for a minimum of 4 months.
  • Possess a UK bank account.
  • Be registered in the UK as a limited company, limited liability partnership (LLP), or a sole trader.
  • Maintain an annual turnover of at least £10,000.
  • A personal guarantee might also be necessary, but this can allow you to obtain increased funding. If your circumstances change, and your business cannot meet the loan's repayment, the personal guarantor may be obligated to settle the outstanding balance according to the agreed conditions. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • If you do not meet these criteria, we can still help you access the finance you need. We offer a wide range of other business finance options and can help you find the right funding solution for your business.

Can I obtain an unsecured business loan with a poor credit history?

  • At times, it can be more challenging to secure a business loan if you have a poor credit history. The lenders within our network will conduct either a soft or hard credit check as part of your application to assess fraud and affordability. We frequently receive inquiries about business loans without credit checks. Credit checks are a fundamental aspect of the lending process, and we do not collaborate with any lenders who process applications without conducting credit checks. This is in your best interest as well as the lender's. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • This is typically a significant obstacle for business owners with an unfavorable credit history who have attempted and been unsuccessful in obtaining funding from their local traditional bank. That's why accessing alternative business financing through our network of lenders can serve as a crucial solution for many business owners..
  • Having an adverse credit history is an inevitable aspect of conducting business. It can occur due to various factors, such as your customers' delayed payments or your business encountering difficulties in meeting its supplier obligations – these challenges are nearly unavoidable throughout a company's existence.
  • Having an adverse credit history is an inevitable aspect of conducting business. It can occur due to various factors, such as your customers' delayed payments or your business encountering difficulties in meeting its supplier obligations – these challenges are nearly unavoidable throughout a company's existence.
  • Nonetheless, don't allow it to deter you from seeking an online business loan. We've assisted numerous businesses in obtaining an unsecured business loan despite having a unfavorable or subpar credit history.

Can I obtain an unsecured business loan for my newly established business?

  • Absolutely, you can secure unsecured business loans for startups. This means that even if you haven't commenced your business operations or have a trading history of up to 24 months, you can still acquire the initial funds required to launch your business without pledging your personal assets, such as your home, as collateral. Real estate , Machinery equipment , Vehicles and Personal or commercial assets.
  • As a startup, it's improbable that you'll possess assets readily accessible to use as collateral for business loans. AMS recognizes the significance of avoiding the jeopardy of company assets crucial for business expansion, especially during the initial stages of establishment.
  • Many of our partner lenders provide unsecured business loans tailored for startups, but it's crucial to be aware that you might encounter elevated interest rates. Unsecured startup business loans pose an increased level of risk for the lender, primarily because startups tend to be inherently unpredictable.
  • They lack years of proven trading history, which serves as evidence for secure borrowing. Nevertheless, if your UK startup requires an unsecured business loan and you are open to slightly higher interest rates, we can assist you in securing unsecured financing.