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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 unsecured business loan providers
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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 the best 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 that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
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
