Unsecured business loans without the wait
Access £5k to £500k of funding without putting up business or personal assets as collateral.
Business funding made simpler
- £5,000 – £500,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 24 hours
- Soft-search eligibility check
At a glance
About Unsecured Business Loans
Unsecured business loans let you borrow against the strength of your trading performance — not the value of your assets. There's no charge over your property or equipment, and lending decisions are based on cash flow, turnover and credit profile.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
No collateral needed
Borrow without using property, equipment or stock as security.
Personal guarantee based
Many lenders ask for a director's guarantee rather than asset security.
Faster process
No valuations or legal charges usually means quicker decisions.
Preserve flexibility
Your assets remain unencumbered for future use.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK Ltd, LLP or sole trader
- Trading 6+ months
- £10k+ monthly turnover
- Director willing to give personal guarantee
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore unsecured business loans?
Check eligibility in around 60 seconds with no impact on your credit score.