Cashflow gaps can stop day-to-day operations, slow growth or cost customers. If your limited company needs short-term working capital, unsecured cashflow loans are one option. UK Business Loans doesn’t provide finance ourselves — instead we quickly match businesses to lenders and brokers who specialise in unsecured working-capital products. Our free eligibility enquiry takes minutes and helps you get rapid, relevant quotes without an immediate credit search. Get Quote Now — Free Eligibility Check

Does UK Business Loans offer unsecured cashflow loans?

Short answer: No — UK Business Loans does not provide or underwrite loans. We are a specialist introducer: you submit a short enquiry and we match your business to lenders or brokers who can offer unsecured cashflow loans. Once matched, those providers contact you with indicative offers. The service is free to use and non-binding; only when you progress with a lender might formal checks take place.

Please note: We work with a wide panel of finance partners who offer unsecured and secured options. We aim to match you to the most appropriate suppliers for your sector and funding needs. Start a Free Eligibility Check

What is an unsecured cashflow loan?

An unsecured cashflow loan is short- to medium-term finance provided to a business where the lender does not take a charge over a business asset (property, machinery or stock) as primary security. Instead, offers are typically based on the company’s trading performance — turnover, bank transaction patterns, invoices, and management accounts.

Common characteristics:

• Uses: payroll, seasonal stock, supplier payments, short-term gaps while awaiting invoices, or one-off unexpected costs.
• Amounts: providers typically offer from around £10,000 upwards depending on the lender and business size.
• Terms: often short-term (30 days up to 24 months) though some lenders provide longer repayment profiles.
• Costs: interest rates and fees are usually higher than secured loans because there is no asset to repossess; providers may require personal guarantees in place of security.
• Types: pure unsecured business loans, merchant cash advances, and some short-term invoice advances (where advance is paid against future receipts rather than a formal charge).

If you want to explore the product in more detail, see our wider cashflow loans resource and comparisons for options like invoice finance and merchant cash advance on our site or complete a short enquiry to receive tailored options.

For more on the product and how it compares to other working-capital routes, read about our cashflow loans page here: cashflow loans.

How UK Business Loans can help you find unsecured cashflow loans

We simplify the search and increase your chances of a rapid, relevant response. Here’s how the process works:

Step 1 — Complete a short enquiry

Tell us about your company, how much you need (from £10,000+), what it’s for, and a few basic trading details. The enquiry takes under two minutes. Get Started — Free Eligibility Check

Step 2 — We match your business to suitable partners

Our platform and advisers review your request and match it to lenders and brokers in our panel who specialise in cashflow products for your sector. Matches are based on lending appetite, product type and speed.

Step 3 — Lenders or brokers contact you with quotes

Selected lenders/brokers will call or email with indicative pricing and terms. If you like an offer you can proceed directly with that provider — UK Business Loans does not underwrite or manage the application for you.

Who we match you with

Our panel includes providers that specialise in:

• unsecured short-term business loans
• merchant cash advance and receivables advances
• invoice advance and selective invoice discounting
• specialist brokers who can place non-standard credit files

Typical timescales

Many businesses receive responses within hours during working days; in cases that need extra due diligence it may take longer. If speed is essential, note this in the enquiry and we’ll prioritise matching to rapid-response lenders.

Get Quote Now — Free Eligibility Check

Typical eligibility for unsecured cashflow loans

Eligibility varies by lender but common underwriting points include:

• Trading history — many lenders prefer at least 12 months trading for established options; specialist funders may consider younger companies.
• Turnover and bank transaction patterns — regular receipts and clear inflows help demonstrate cash generation.
• Company structure — incorporated limited companies are the usual borrowers (we do not arrange sole trader or certain professional loans).
• Credit profile — personal and company credit history is reviewed; some lenders specialise in cases with previous credit issues.
• Security substitutes — lenders often request director personal guarantees as an alternative to asset security.

If you’re unsure whether you’re likely to be accepted, submit a free enquiry and we’ll match you with lenders who are a good fit for your situation. Free Eligibility Check

Pros and cons of unsecured cashflow loans

Pros

• Faster access to cash compared with many secured options.
• No business asset (e.g. property or equipment) required as primary security.
• Flexible uses — can be applied to payroll, stock, short-term projects, or one-off needs.
• Good option for businesses that want to preserve fixed assets for other borrowing.

Cons

• Costs are typically higher than secured finance (rates and fees).
• Personal guarantees are often required, exposing directors personally.
• Shorter terms mean faster repayments and potential cashflow pressure if projections are wrong.

Compare quotes — Free, no obligation

Alternatives to unsecured cashflow loans

If unsecured cashflow lending isn’t right for you, providers we introduce also offer:

• Invoice finance / factoring — unlock cash from unpaid invoices; ideal if you have trade receivables. See our invoice finance options.
• Asset finance — fund equipment or vehicles and spread the cost; secures against the asset.
• Business overdraft — flexible short-term facility from banks for ongoing fluctuations.
• Merchant cash advance — advance against future card takings; repayment linked to sales.
• Trade finance / supplier credit — supports imports, exports and supplier payment terms.

Each route has different eligibility and cost implications — if you’re unsure, our short enquiry will surface the most suitable options. Get Quote Now

What lenders will ask when you apply — quick checklist

Prepare these documents to speed up the process:

• Last 3–12 months business bank statements (depending on lender).
• Recent management accounts or company accounts.
• Details of the loan amount required and how funds will be used.
• Director ID (passport or driving licence) and proof of address.
• Copies of major invoices or contracts you want financed (if applicable).

Having these ready helps deliver faster indicative offers once matched.

How to get a quick quote via UK Business Loans

1. Click the button and complete the short enquiry form (under 2 minutes): Get Quote Now — Free Eligibility Check
2. We match your details to appropriate lenders/brokers in our panel.
3. Matched providers contact you with indicative quotes and next steps.
4. Compare offers and progress directly with the lender you choose.

We only pass your details to the lenders and brokers who can help — there’s no fee to you for our introduction and initial enquiries will not impact your credit score. If you want the fastest response, include approximate turnover and the exact amount required when you submit the enquiry.

Frequently asked questions

Does UK Business Loans lend directly?

No. We introduce businesses to lenders and brokers who may provide unsecured cashflow loans and other business finance products.

What does “unsecured” mean?

Unsecured means the lender does not take a fixed charge over a business asset as the primary security — however personal guarantees or other forms of assurance may still be required.

How quickly will I get a quote?

Many businesses receive responses within hours. Exact timescales depend on the lender’s process and the complexity of the enquiry.

Will an enquiry affect my credit score?

Submitting our enquiry does not affect your credit score. Lenders may perform credit checks only if you progress with them.

Are there minimum or maximum loan sizes?

We commonly arrange loans from £10,000 upwards; some partners offer six-figure facilities depending on the business and product.

How much does the matching service cost?

It’s free for businesses to submit an enquiry and receive introductions to lenders and brokers.

Start your free enquiry

Case study & testimonials

“Our construction firm needed urgent working capital to cover supplier invoices ahead of a large job. We completed the enquiry and had two suitable offers within 24 hours — we accepted an unsecured cashflow loan that kept the project moving.” — Construction company (anonymised)

“Hospitality business received a merchant cash advance match within hours when we needed seasonal stock. Quick and simple to use.” — Hospitality client (anonymised)

Real, verifiable testimonials and partner details are displayed on our live site to help you check credibility before proceeding.

Ready to get a quote?

Tell us a bit about your business and funding need and we’ll match you to the lenders and brokers most likely to help. It’s quick, free and non-binding.

Get Quote Now — Free Eligibility Check

Important: UK Business Loans is an introducer — not a lender. We do not provide regulated financial advice. Completing our enquiry is free and non‑binding and will not affect your credit score. Your information is shared only with lenders/brokers who can assist with your request and is handled securely.