Business lending
Unsecured business loans — no property or assets at stake.
Borrow a lump sum for your company and repay over an agreed term, without pledging property or assets as security. Compare options from one short enquiry.
Check unsecured loan fit
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Compare your options in one short enquiry — it takes about 60 seconds.
Check unsecured loan optionsFree to enquire · subject to status and provider criteria
- Access funding without putting up property or business assets as security.
- Often quicker to arrange than secured lending.
- Fixed, predictable repayments over an agreed term.
What an unsecured business loan is
An unsecured business loan is term funding a company repays over an agreed period, without pledging specific assets as security. Because the lender takes on more risk, the amount available and the pricing reflect your company's financial strength.
Who it suits
Unsecured lending can suit companies that don't want to — or can't — offer asset security, and that value speed and simplicity. Lenders typically look at turnover, trading history and affordability rather than collateral.
What to weigh up
Unsecured facilities are often faster and don't put assets on the line, but amounts may be lower and pricing higher than a comparable secured loan. A personal guarantee from a director is sometimes requested. Our guide compares secured and unsecured routes.
How Muve handles your enquiry
Muve captures a few company details and your funding need, then reviews and routes the enquiry manually to a suitable finance partner. Lender names and routing rules are not shown on the public page.
Why compare with Muve
- For UK incorporated businesses.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- No property or assets pledged as security.
- Often quicker to arrange than secured lending.
- Predictable fixed repayments.
Watch-outs
- Amounts are usually lower than secured loans.
- Pricing reflects the added risk to the lender.
- A director's personal guarantee may be requested.
What it costs
Unsecured loans are priced through interest and fees, usually higher than a comparable secured loan because there's no asset backing. Compare the total cost over the term, not just the monthly payment.
- Your turnover, trading history and affordability.
- The amount and term.
- Whether a personal guarantee is offered.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- Your annual turnover and how long you've traded.
- How much you want to borrow.
- Contact details for your options.
Ready to see which finance routes could fit?
Check unsecured loan optionsFrequently asked questions
Do I need to secure the loan against assets?
No — that's the point of an unsecured loan. A lender may, however, ask a company director for a personal guarantee. Terms are subject to status and lender criteria.
How much can I borrow unsecured?
It depends on the lender, your turnover and trading history. Unsecured amounts are typically lower than secured lending. We compare a panel to find options that fit.
Is it faster than a secured loan?
Often, yes, because there's no asset valuation, but timescales vary by lender. We avoid quoting guaranteed timings.
Who can apply?
Unsecured business loans through Muve are for UK incorporated businesses — limited companies, PLCs and LLPs.
Written by the Muve editorial team.