Unsecured Business Loans


or call us on
01244 389304

tick mark

Over 250 funding lines

tick mark

Decisions within 48 hours

tick mark

Funds within 48 hours of acceptance

tick mark

Borrow from £2,000

tick mark

3 month to 5 year terms

Loan Amounts and Funding Terms


Loan Terms

Loan terms between 3 months and 5 years with fixed monthly payments


Loan Amounts

Loan amounts over £2,000

Eligibility Criteria


Borrowing Amounts

Are you looking for an unsecured business loan over £2,000?


Company Status

Are you a UK registered business?


Trading Time

Have you been trading for more than 12 months?

happy business owner

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.

They 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.

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.

happy business owner outside a flower shop

How to apply for an unsecured business loan?


Quick Applications

Fill out our application form in less than 5 minutes


Dedicated Support

Your application will be allocated to your dedicated case manager


Quick Responses

Your case manager will be in touch within 4 working hours


Minimal Paperwork

They will collect all required documents to process your application


Quick Decisions

You will receive a decision within 48 hours in most circumstances


Fast Payouts

You will receive your funds within 48 hours of acceptance in most circumstances

The Benefits of Unsecured Business Loans


Flexible Terms and Borrowing Amounts

Unsecured loans are generally more flexible in terms of loan amounts and terms in comparison with other business loan types.

As they are taken on an unsecured basis, borrowing amounts are not restricted to the amount of equity in an asset or property.

This means that it can be easier to take out loans on a rolling basis and/or top up existing loan agreements.


Speed of Approvals

Unsecured loan applications and approvals are relatively quick to process.

With no need for charges on assets or debentures, decisions are made based on you meeting the lenders eligibility criteria.

Many lenders will approve applications within 24 hours, provided that all the required documents are provided at the time of application.


Reduced Paperwork

As you are not using security or collateral when making the application there is less paperwork that needs to be completed.

In order to apply you only need business bank account statements and business financial reports such as your profit and loss statements along with proof of identity.


No Risk to Assets*

Loans on an unsecured basis do not use collateral as part of the credit agreement, meaning your assets are not at risk in the first instance. Instead the loan is approved on the basis of your financial health and credit rating.

*In most cases a personal guarantee is required to secure the finance to protect the lender in the event of a default. Luckily, there are a range of personal guarantee insurance products available for businesses using unsecured finance.

In today's rapidly evolving business landscape, fuelling business expansion requires access to quick capital. For many small and medium-sized enterprises (SMEs), one of the most effective ways to obtain the necessary funding is through unsecured business loans.

These loans offer a valuable solution for businesses looking to grow and thrive by accessing additional funding.

Whether it's expanding operations, launching new products, or investing back into your business, unsecured business loans provide the financial flexibility required to fuel business expansion.

With competitive interest rates and flexible repayment terms, these loans can promote your business's expansion and drive sustained success.

Stay ahead of the competition and unlock your business's full potential.

View our full range of business finance facilities here

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.

Related Resources

Secured vs Unsecured Business Loans

Secured vs Unsecured Business Loans

Find out the differences in secured and unsecured business finance.

Unsecured loans are those that are not secured against personal or business assets. Most secured loans are secured against property or business assets.

Click to read more
Unsecured Business Loans

A guide to unsecured business finance

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.

Click to read more
cash flow injection

Cash Flow Injection for Small Businesses

All businesses need cash flow to succeed and if your cash flow is running low you will need to look for a cash flow injection.

Effective cash flow management can help you analyse how healthy your cash flow is and look for ways to improve it.

Click to read more