Unsecured Business Loans
No security business funding



Apply

or call us on
01244 389304

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Over 250 funding lines

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Decisions within 48 hours

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Funds within 48 hours of acceptance

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Borrow from £2,000

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3 month to 5 year terms


Unsecured Business Loans


Unsecured business loans do not use any tangible assets, either personal or business, as collateral when applying for business finance.

Unsecured finance can be a suitable option for business owners who are looking for additional funding without having to secure loans on company assets.

Unsecured loans are generally quicker to arrange than secured loans due to less paperwork and no asset valuations. Instead, the loan application is assessed based on the business credit worthiness and affordability evaluations.

How to apply for an unsecured business loan?



  1. Fill out our application form in less than 5 minutes
  2. Your application will be allocated to your dedicated case manager
  3. Your case manager will be in touch within 4 working hours
  4. They will collect all required documents to process your application
  5. You will receive a decision within 48 hours in most circumstances
  6. You will receive your funds within 48 hours of acceptance in most circumstances

Frequently Asked Questions

What unsecured business loan terms are available?

Our unsecured loans are available from 3 months to 5 years depending on credit status and other variables. Subject to full underwriting and acceptance.

How quickly can I get the funds?

Funds are usually available within 48 hours of an approval, providing the necessary documentation is signed and returned along with satisfying any conditions that may have been imposed.

What do I need to apply for an unsecured business loan?

We require information and documents such as business bank accounts and business financial reports, but this can be minimal depending on how much you require and what your status is.

What is the difference between an unsecured business loan and secured business loan?

Unsecured business loans do not use any tangible assets, either personal or business, as collateral when applying for business finance. When using unsecured finance, lenders look at your personal credit rating, business bank accounts and business financial reports, this is known as an affordability assessment.

With secured business loans the loan is secured against tangible assets, as collateral for the amount you are borrowing. Lenders will still look at credit ratings, business bank accounts and business financial reports when making a decision, however the use of collateral can make it easier to obtain finance if your credit score and business financials are not the strongest. In some cases personal guarantees are required.

The Benefits of Unsecured Business Loans

As you are not using security or collateral when making the application there is less paperwork that needs to be completed. If you are applying for a secured loan, valuations of asset(s) must be undertaken (by an independent valuer) along with proof of ownership. This can increase the amount of time and paperwork that needs to be complete. When applying for an unsecured business loan, this does not need to take place.

In order to apply you onlny need business bank account statements and business financial reports such as your profit and loss statements.

Because of this, RLA Capital give decisions on unsecured loans within 48 hours of application, with funding being released within 24 hours of all documents being signed by the client after a decision. Secured business loans will take longer due to the increased legal documentation that needs to be completed.