Borrow without offering a specific business asset or property as security. Approval depends on trading performance, affordability and credit, and lenders commonly ask directors for personal guarantees.
May suit established businesses that can support regular repayments but do not have, or do not want to finance, a specific asset.
No specific asset is charged as security, but a personal guarantee can still expose a director’s personal assets if the company defaults.
The process may avoid property valuation work, but timing depends on the lender, information supplied and any further checks.
Use for any business purpose - working capital, expansion, equipment, marketing, or seizing opportunities.
We specialize in funding for professional practices across the South West
Seasonal cash flow, expansion, new software, or acquiring client books
Case funding, office expansion, recruitment, or technology upgrades
Project funding, team expansion, marketing campaigns, or new market entry
Architects, engineers, healthcare practices, and financial advisors
We compare available lender terms and explain the costs and conditions
Rates shown are indicative and based on published lender pricing. The actual rate available to you depends on the lender's assessment of your business, the deal, and your circumstances. These figures are not quotes or offers of finance.
We do the hard work for you - analyzing your situation and finding the right lender
We understand your business, funding needs, and circumstances
We analyze your situation and identify the best lender matches
We prepare your application and negotiate the best terms
You receive the funding with the best available terms
Based in Bournemouth with local expertise across the region
Bournemouth, Poole, Dorchester, Weymouth, Christchurch
Exeter, Plymouth, Truro, Torquay, Barnstaple
Bristol, Bath, Taunton, Bridgwater, Weston-super-Mare
Common questions about unsecured business loans
An unsecured business loan does not take security over a specific property, vehicle, piece of equipment or other asset. The lender assesses business performance, cash flow and creditworthiness, and commonly asks directors for personal guarantees.
A broker can identify lenders whose criteria fit the business and present one clear application rather than encouraging repeated applications. We disclose how we are paid before you commit.
Timing varies by lender, application quality and any additional checks. If the requirement is urgent, tell us the deadline at the outset so we can explain which routes may be realistic without promising approval or completion.
Common uses include: covering seasonal cash flow gaps (especially for accountancy practices), hiring additional staff during busy periods, investing in new technology or software, expanding to new locations, acquiring client books or practices, and funding marketing campaigns for growth.
Most business lenders will perform a personal credit check on directors/partners, but this is typically a "soft search" that doesn't affect your credit score. Only when you proceed with a formal application will a "hard search" be conducted. We'll always inform you before this happens.
Common uses include working capital, recruitment, marketing, refurbishment and expansion. Lenders usually review trading history, turnover, profitability or cash generation, existing commitments, bank conduct, purpose and director credit.
Equipment may be better suited to asset finance. A recurring gap caused by eligible B2B payment terms may be better addressed with invoice finance.
Independent broker with 15+ years finance experience, now focused exclusively on helping South West businesses
Our founder brings over 15 years of finance industry experience to every client relationship. We understand funding from both sides - lenders and borrowers - giving you the insights you need.
We earn commission from lenders when you're successfully funded. That means our service is completely free to you, with no upfront fees or hidden costs. We only succeed when you do.
As an independent broker, we search 70+ specialist lenders to find your best match. We work for you, not the lenders, ensuring you get competitive rates and terms.
Check your funding readiness first, or use the urgent enquiry route if the requirement cannot wait.
No upfront fees • Free consultation • We're only paid when you get funding
LoanLogic is a business finance broker. We may receive commission from lenders when you secure funding.
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