Unsecured business loan
Borrow up to £500k — no assets required.
Fast, flexible funding without putting your property or assets at risk. A real person reviews every application — and we aim to get back to you within 24 hours.
- Won't affect your credit score
- Decision in 24 hours
- FCA regulated
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Won’t affect your credit score
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
- FCA regulated
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is an unsecured business loan?
An unsecured business loan lets you borrow between £50,000 and £500,000 without putting up any collateral. Your property and assets are not at risk — your eligibility is based on your business’s performance and ability to repay.
You get a fixed monthly repayment, a set term, and a clear end date. You can use the funds for almost any legitimate business purpose, including:
- Expanding to a new location or refurbishing premises
- Hiring staff or covering payroll
- Purchasing stock, inventory, or equipment
- Bridging a cash flow gap
- Investing in marketing or brand development
£500k
Best suited for
Businesses that need fast, flexible capital without the complexity or risk of secured lending.
Representative APR 18.9%
Your actual rate depends on your business profile. We’ll show you your personalised rate before you commit.
What are the advantages of an unsecured business loan?
Like any financial product, unsecured loans have both upsides and limitations. Here’s a straightforward comparison to help you decide.
- Advantages
- No assets or property at risk
- Decision typically within 24 hours
- Less paperwork than secured lending
- Fixed repayments — easy to budget
- Repay early with zero penalties
- Available with imperfect credit history
- Disadvantages
- Rates may be higher than secured lending
- Maximum loan size capped at £500,000
- Requires 12+ months trading history
- Personal guarantee may be required
Costs
How much will an unsecured business loan cost me?
Your rate is personalised and shown to you before you commit to anything. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | High street bank | Total repayable |
|---|---|---|---|
| £75,000 | 24 months | £3,760 | £90,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £150,000 | 36 months | £5,460 | £196,560 |
| £250,000 | 48 months | £7,280 | £349,440 |
| £300,000 | 60 months | £7,750 | £465,000 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
How much will my monthly repayments be?
Get an instant estimate — no credit impact. Applying takes less than 5 minutes.
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
What do you get with an Acceptance unsecured business loan?
Borrow £50k – £500k
Choose the exact amount your business needs.
6 to 60 month terms
Pick a term that matches your cash flow — short or long.
Fixed monthly repayments
Know exactly what you owe each month. No surprises.
No collateral needed
Your home, property, and assets are completely safe.
Repay early, fee-free
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
The process
How do I apply for an unsecured business loan?
Simple, fast, and designed to cause as little disruption to your day as possible.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Eligibility
What do I need to apply for an unsecured business loan?
Company registration number
We'll use your company registration number to verify your business with Companies House.
3–6 months of bank statements
Your recent bank statements help us understand your trading performance and make a fair decision quickly.
Annual turnover
We need to see that your business generates at least £50,000 per year in revenue.
Time trading
Most applications require at least 12 months of trading history, if you're newer, get in touch and we may still be able to help.
Your contact details
We'll need your name, email address, phone number, and your role within the business.
What we offer
Who is eligible for an unsecured business loan?
We lend across all sectors. Meet the basics below and there’s a strong chance we can help.
Based in the UK
Your business must be registered and actively trading in the United Kingdom.
Trading 12+ months
We need to see at least 12 months of trading history to assess your business’s affordability.
£50,000+ annual turnover
Your business must generate a minimum of £50,000 per year in revenue to service the loan comfortably.
Director, owner, or partner
The application must be made by someone with the legal authority to take on debt on behalf of the business.
Not currently insolvent
Your business must not be in administration, liquidation, or have an outstanding unpaid County Court Judgement (CCJ).
We welcome applications from limited companies, sole traders, partnerships, and LLPs — including businesses with an imperfect credit history.
Put it to work
What can you do with funding from Acceptance?
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt
Eligibility
What information do I need to apply for an unsecured business loan?
- Your company registration number — to verify your business with Companies House
- 3–6 months of business bank statements — so we can understand your trading performance
- Estimated annual turnover — we need to see at least £50,000 per year
- How long you've been trading — at least 12 months is required for most applications
- Your contact details — name, email, phone, and your role in the business
- How much you want to borrow and for how long — you can adjust this during the process