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Unsecured business loans
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Cash flow challenge: I need funding but don’t want to offer security.
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Perfect for: SMEs with solid trading history, looking for short to medium-term finance without asset security.
Novuna helps UK businesses access unsecured loans fast.
We compare lenders, explain the terms, and support your application from start to finish. No need to use your property or assets as collateral.
Our business loan options
Pages in this SectionWhat is an unsecured business loan?
An unsecured business loan is a type of finance that doesn’t require you to put up property, equipment or other assets as collateral. Instead, lenders base their decision on your trading history, turnover, and credit profile.
This type of loan is ideal for businesses needing fast access to cash - without risking personal or business assets.
How it works with Novuna Business Cash Flow
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Tell us how much funding you need
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We compare providers and recommend a great fit for your situation
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You apply with our expert support
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Access funding - often within a few days
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is an unsecured loan right for you?
You don’t want to secure the loan against property or assets
Unsecured loans don’t require collateral, making them faster and easier to arrange.
You need funds quickly often within days
Ideal for businesses that need fast access to capital without lengthy approval processes.
You’re focused on short to medium-term borrowing
Best suited for covering immediate needs or growth plans over a shorter timeframe.
If that sounds like your situation, we’ll help you compare secured lenders and apply with confidence.
Novuna can support businesses with a range of funding challenges
I want to borrow more by offering assets as security
I’m investing in staff, products, or expansion
I need short-term cash to manage daily operations
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you a great deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises - just honest advice with no hidden fees.
Receive funding fast
Get access to finance quickly so you can focus on your business.
Why take action now
Don’t let a cash flow gap slow you down
Unsecured loans help you move fast with no assets required
Acting early helps you secure better terms
We’ll help you avoid high cost lending by comparing the right options upfront
Why choose Novuna Business Cash Flow?
Why businesses trust us for unsecured finance
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What unsecured lending looks like in your sector
See how other businesses use unsecured loans
What is an unsecured business loan and how does it work?
An unsecured business loan provides funding without requiring any assets as collateral. Instead, approval is based on your company’s financial health, trading history, and creditworthiness. Because there’s no security involved, lenders typically offer smaller amounts and charge slightly higher interest rates to offset the added risk.
How much can I borrow without offering security?
Loan sizes vary, but many providers offer between £10,000 and £500,000 unsecured depending on your turnover and financials. Speak to our experts today and we will help you find the right deal for your situation.
Is personal guarantee required?
In many cases, yes. Most lenders will ask for a personal guarantee if the loan is unsecured.
Is quick funding right for my business?
Unsecured business loans don’t require collateral, making them faster to arrange but often costlier and limited in size. Secured business loans, by contrast, are backed by assets like property or machinery, offering lower rates and longer terms but with the risk of losing the pledged asset if repayments are missed.
