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Unsecured Business Loans in Derby, Derbyshire and the UK

Borrow from £10,000 for cash flow, stock, tax bills, property deposits or growth, without putting up property as security. Check if your company could qualify in about two minutes, then talk to our business finance team.

Check My Eligibility Call 01332 300300

★★★★★ Rated 5 stars on Google | FCA Regulated (Ref: 706676) | Derby-Based, Advising Across the UK

Most business loans are not regulated by the Financial Conduct Authority. If you give a personal guarantee, you may have to repay the loan yourself if your company cannot.

Could your company get a business loan?

Find out in about two minutes. Free, with no credit search.

FreeAbout 2 minutesNo credit search

Free Business Loan Eligibility Check

Find your company on Companies House, answer four questions and see how you match the checks lenders run first. It takes about two minutes and does not affect your credit score.

1. Find your company2. Your loan3. Your result

This checker is for limited companies and LLPs.

    Unsecured Business Loans Explained

    An unsecured business loan lends money to your limited company without a charge over property or other assets. You repay it in fixed monthly amounts over an agreed term. Most lenders ask a director to give a personal guarantee instead of security.

    Because there is no property to value, the process is simpler than secured borrowing. Many lenders decide within days once they have your bank statements and accounts. The trade-off is cost: rates are usually higher than for secured loans.

    £10,000+Loans from £10,000
    No propertyNo charge over your home or business premises
    Fast decisionsOften within days of a full application
    Fixed repaymentsTerms from a few months to around six years
    Across the UKAdvice by phone and video call

    What You Can Use It For

    Cash Flow Gaps

    Cover wages and bills while you wait for customers to pay.

    Tax Bills

    Spread the cost of a VAT or Corporation Tax bill.

    Stock and Supplies

    Buy in bulk or stock up before a busy season.

    Equipment

    Replace or upgrade tools, IT or machinery.

    New Contracts

    Take on a large order or contract you need to fund up front.

    Growth

    Hire staff, open a new site or fund a marketing push.

    Property Deposits

    Put down the deposit on a commercial or investment property. The mortgage lender must agree to a borrowed deposit, so we check this first.

    Refinancing Business Debt

    Replace costly short-term borrowing with one fixed monthly payment.

    Seasonal Costs

    Cover quieter months or pay for extra staff and stock at busy times.

    See Where You Stand in Two Minutes

    Our free checker reads your Companies House records and shows how your company matches the checks lenders run first. It does not affect your credit score.

    Check My Eligibility Call 01332 300300 Send an Enquiry

    How It Works

    Check your eligibility

    Use our checker above. It takes about two minutes and uses public records only.

    Talk to our team

    We call you back to understand what you need, how much and when.

    We find the right lender

    We match your company to lenders whose rules fit, and explain the costs.

    You get the funds

    Once the lender approves, the money goes straight to your business account.

    Is an Unsecured Loan Right for Your Business?

    It can be a good fit if

    • You need money quickly for a clear purpose
    • You do not want to use property as security
    • Your company has steady income to cover repayments
    • A director is happy to give a personal guarantee

    Things to think about

    • Rates are usually higher than for secured borrowing
    • A personal guarantee puts the director’s own money at risk
    • Some lenders charge fees to set up or repay early
    • Missed payments can harm your company’s credit record

    What Lenders Look At

    Time Trading

    Most lenders like a year of trading and one set of accounts. Some help newer companies with smaller loans.

    Turnover and Bank Statements

    Lenders check your income and outgoings, often from the last three to six months of bank statements.

    Credit History

    Lenders look at the credit records of the company and its directors.

    Affordability

    Lenders want to see that your company can meet the repayments from its income.

    Filings

    Up-to-date accounts and confirmation statements at Companies House.

    Existing Borrowing

    Other loans and charges on the company, and how they are being repaid.

    Other Ways to Fund Your Business

    An unsecured loan is not always the best choice. We will tell you if another option suits you better.

    Asset Finance

    Spread the cost of vehicles, machinery and equipment, using the asset as security.

    Find Out More

    Commercial Mortgages

    Buy or refinance business premises, often at lower rates than unsecured borrowing.

    Find Out More

    Bridging Loans

    Short-term finance secured on property while you wait for a sale or longer-term funding.

    Find Out More

    Meet Your Business Finance Specialists

    Michelle Mackenzie-Cooper, Business and Finance Consultant

    Michelle Mackenzie-Cooper

    Business & Finance Consultant

    Michelle heads up our commercial team. She has worked as a business bank manager and as a partner at a top accountancy firm, so she knows both lending and business finance.

    Sarg (Shahjahan Alam), Commercial Finance Manager

    Sarg (Shahjahan Alam)

    Commercial Finance Manager

    Sarg specialises in commercial finance, asset finance and invoice finance. His banking background means he knows what businesses need, from funding growth to managing cash flow.

    Unsecured Business Loan FAQs

    It is a loan to your company that does not need property or other assets as security. Most lenders ask a director to give a personal guarantee instead.

    Lenders offer loans from £10,000. How much your company can borrow depends on its turnover, accounts and credit record.

    Yes, but fewer lenders will help and loans tend to be smaller until the company has a year of trading and one set of filed accounts.

    It reads your Companies House records: status, company type, age, accounts, confirmation statement, insolvency history, directors, charges and business activity. It then adds your answers on turnover, amount, purpose and personal guarantee.

    No. It only reads public Companies House records. It does not run a credit search on you or your company.

    It is a promise by a director to repay the loan if the company cannot. If you give one, your own money and assets could be at risk.

    No. It is a guide based on the checks lenders usually run first. Each lender makes its own decision once it has your full application.

    Yes. We advise on key person, shareholder and relevant life cover. Try our relevant life calculator to see what a company-paid policy could save you.

    Often, yes. Many companies use one towards the deposit on a commercial or investment property. The mortgage lender must agree to the deposit being borrowed, so tell us early and we will check which lenders accept it.

    Ready to Talk About Your Business?

    Tell us what you need and one of our Derby team will call you back. There is no obligation.

    Check My Eligibility Call 01332 300300 Send an Enquiry

    Most business loans are not regulated by the Financial Conduct Authority. If a director gives a personal guarantee, they may have to repay the loan if the company cannot. The checker is a guide only and is not an offer of finance. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).

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    Honest opinions from people like you

    There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

    The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

    Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

    If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

    There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.