Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

Type of Car

Sport & Performance

Make of Car

Popular

Finance Solutions

Personal Contract Purchase

Refinance & Equity Release

Car Finance 11 min read

Why Use a Car Finance Broker in 2026

Discover how a finance broker can help access competitive rates, tailored finance solutions, and expert guidance.

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Specialists in Business Finance

Unsure what you’re looking for? Find out what we offer in more depth here.

Asset Finance & Leasing

Hire Purchase

Finance Lease

Property Finance

Commercial Property Finance

Commercial Mortgages

Unsecured Finance

Unsecured Business Loans

Invoice Finance

Supply Chain Finance

Growth Guarantee Scheme (GGS)

Revolving Credit Facilities

Merchant Cash Advance

VAT Loans

Instant VAT Refunds

Popular

Refinance & Equity Release

Business Finance 8 min read

Why Use a Commercial Finance Broker in 2026

Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.

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Our Industry Sectors

We work with a variety of industries, choose yours to see how we can help.

Industries

Agriculture

Leisure & Hospitality

Construction

Manufacturing & Engineering

Commercial Vehicles

Transport & Logistics

Food & Beverage

Utilities & Waste

Unsecured Business Loans

Fast, flexible funding without putting your assets at risk. Access the capital your business needs to grow, manage cash flow or seize new opportunities - without offering security.

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Finance That Fits Your Business

Fill out the form to request a callback

No Obligation Enquiry

Tailored Broker Support

Enquire in Minutes

Wide Panel of Lenders

How Do Unsecured Business Loans Work?

Let's take a look at how Unsecured Business Loans work step by step

Your Funding Needs

Tell us how much you’d like to borrow and what you need it for. We’ll review your business performance and funding goals, and take time to understand your needs.

Presenting to Lenders

We'll present your story to our panel of lenders, highlighting the strengths of your business, helping identify the most suitable unsecured loan options for you.

Credit & Affordability

Lenders assess your credit profile, turnover, and affordability. With no asset secured, approval is based on business performance and director guarantees if required.

Receive Your Funding

Once approved, you’ll receive your loan agreement to review and sign. Funds are typically released quickly, allowing you to move forward with confidence and certainty.

Is an Unsecured Business Loan Right For Your Business?

An unsecured business loan can be a smart choice if you want quick access to capital without risking business or personal assets. They’re well suited to established businesses with strong cash flow looking to fund short to medium-term opportunities.

Get a Quote

This product might be right for you if...

You need funding quickly without asset security

You want fixed repayments for easier budgeting

You need flexible funding for a range of business uses

This product might not be right for you if...

You require very large, long-term borrowing

Your business has limited trading history

You want the lowest possible interest rate

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

Our Funding Process

1

Discuss Your Funding Requirements

Talk to one of our Finance Specialists so we can understand your business, goals, and funding needs.
2

Review & Present Your Application

We gather the required documentation and review your circumstances, then present your application to our panel of lenders to identify the most suitable funding solution.
3

Get Your Funding

Once your finance is approved, we work with you and the lender to ensure you can access your funds as quickly as possible.

Get a Quote

What To Do Next

Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

Go to Form

Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836

Read Our FAQs

Still have questions about Unsecured Business Loans? We may have the answer within our FAQs.

Go To FAQs

Why Use Charles & Dean?

Why should you choose us to help with an Unsecured Business Loan

Independent & Whole Market

We work with a wide panel of trusted UK lenders, giving you access to competitive unsecured loan options tailored specifically to your business circumstances.

Fast, Straightforward Process

Our experienced team manages the application from start to finish, reducing paperwork and keeping you informed so funding can be secured quickly and efficiently.

Relationship-Led Approach

We take time to understand your business and long-term plans, ensuring the finance we arrange supports sustainable growth, not just short-term needs.

Our FAQs

Common questions about Unsecured Business Loans answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

How much can I borrow with an unsecured business loan?

Loan amounts typically range from £5,000 to £500,000, depending on your turnover, profitability and credit profile. Higher amounts may be available for established businesses.

What is the difference between a secured and unsecured loan?

A secured loan is backed by an asset such as property or equipment, which the lender can claim if repayments aren’t made. An unsecured loan doesn’t require collateral but may involve a personal guarantee and typically has higher interest rates.

Do I need to provide security?

No physical asset security is required. However, most lenders will request a personal guarantee from directors as additional reassurance.

What is a personal guarantee on an unsecured business loan?

A personal guarantee is a promise by the director(s) or owner(s) to repay the loan personally if the business cannot. It provides lenders with additional security even though the loan is technically unsecured.

How quickly can I receive the funds?

Timeframes vary, but many unsecured loans can be approved within 24-72 hours, with funds released shortly after documentation is completed.

What are the repayment terms?

Repayment terms usually range from 6 months to 5 years, with fixed monthly repayments to help you manage cash flow effectively.

Can I get an unsecured loan with bad credit?

It may be possible, depending on the lender’s criteria. Some lenders specialise in loans for businesses with adverse credit, but interest rates may be higher and loan amounts could be lower.

Will applying affect my credit score?

Initial enquiries are often soft searches. If you proceed with a formal application, a hard credit search may be carried out by the lender.

Unsecured Business Loans

Key Takeaways

How Do Unsecured Business Loans Work?

Your Funding Needs

Presenting to Lenders

Credit & Affordability

Receive Your Funding

Is an Unsecured Business Loan Right For Your Business?

This product might be right for you if...

This product might not be right for you if...

Our Funding Process

Discuss Your Funding Requirements

Review & Present Your Application

Get Your Funding

What To Do Next

Get a Quote

Call Us Now

Read Our FAQs

Why Use Charles & Dean?

Independent & Whole Market

Fast, Straightforward Process

Relationship-Led Approach

Our FAQs

How much can I borrow with an unsecured business loan?

What is the difference between a secured and unsecured loan?

Do I need to provide security?

What is a personal guarantee on an unsecured business loan?

How quickly can I receive the funds?

What are the repayment terms?

Can I get an unsecured loan with bad credit?

Will applying affect my credit score?