Business Loans

Secured Business Loans

Our expert team is dedicated to providing tailored solutions that support your business growth and operational needs efficiently. Explore how we can assist you in finding the best financing terms to drive your business forward.

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Overview of Unsecured Business Loans

An Unsecured Business Loan is a loan that the business can take without providing any tangible security.

The lender advances a set amount at the start of the loan, which is repaid using fixed monthly repayments over a pre-agreed period of time. Neither the business nor the owner provides any tangible security, but the owner of the business is often required to provide an unsupported personal guarantee.

The amount a business can access and the term of the loan is dependent on many factors, and each lender looks at these factors differently. Some include;

  • Turnover
  • Profitability
  • The length of time a business has been trading
  • Availability within bank statements
  • Value in the associated personal guarantee

Unsecured business loans are typically up to £1m over a term of up to 6 years.

At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.

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  • Simplicity

    Loans are a very common form of finance so many people understand how they work.

  • Speed

    Funds can be with the business within 24hrs of application. It can take longer but typically accessing this type of finance is incredibly quick.

  • Ease

    Applying for a loan requires minimal paperwork. Providing bank statements and full-filed accounts is usually enough to get a decision.

  • Security

    The lender is relying on the cashflows of the business so there isn’t a requirement for any tangible security, thus offering peace of mind.

What can an unsecured business loan be used for?

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STOCK
Equipment
TECH
Tax Bills
Cash Flow
Machinery

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Frequently Asked questions

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    An unsecured business loan is a good option if you need to access funding quickly and don’t want to risk collateral. However, the interest rates are typically higher because the lender is taking on a larger risk.

    It’s important to carefully consider your financial situation, explore other funding options, and choose the type of finance that aligns best with your business goals and repayment capacity.

    The approval process for a small business loan can vary depending on the type of loan, the lender, and your business’s financial situation. Generally, though, the lender will look at your credit score, bank statements and the ownership details of your business to ensure you’re a majority shareholder.

why sedulo?

A team of finance experts, on your side…

We will help you navigate the complex commercial finance world
Whether you’re looking to obtain funding to take on the next stage of business growth, access working capital to cover costs, or acquire another company, it’s important to have a team of experts on your side.

Our professional banking and finance teams can help arrange new finance for your business or refinance existing facilities for more competitive terms. We work with an unrivalled number of lenders, which gives our clients confidence that they’re getting the best deal.

Our funding experts operate out of each city centre office in Manchester, Leeds, Liverpool and London. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!

Speak to an expert and start your business growth journey

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Leyton Jeffs

Commercial Finance Partner

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