Business growth shouldn’t come with strings attached. Get the funding you need while keeping full control of your property, equipment, and peace of mind.
Need a business loan without putting assets on the line? Unsecured business loans offer fast, straightforward access to finance. They’re ideal for working capital, business growth, or simply creating more breathing room.
At Greenwood Capital, we connect UK businesses with lenders who understand how small businesses operate. Whether you’re just starting out or looking to expand, we’ll help you find funding that fits.
Unsecured business loans let you borrow money without putting forward assets like property or equipment. Instead of relying on collateral, lenders assess your business based on factors like turnover, credit history, and how long you’ve been trading.
This type of finance is typically faster to arrange than secured options, with fewer hoops to jump through. It’s a practical way to access funding if you need flexibility, don’t have valuable assets, or simply want to keep them separate from your borrowing.
Loan terms and interest rates vary depending on your business profile. Greenwood Capital works with a wide network of unsecured business loan lenders to help you find the most competitive deal for your circumstances.
The main difference between secured and unsecured business loans comes down to collateral. A secured business loan is backed by an asset – like property, vehicles, or equipment, which the lender can claim if repayments aren’t made. An unsecured loan, on the other hand, doesn’t require any collateral.
That means unsecured lending is typically quicker to arrange, with less paperwork and fewer requirements. It’s a good option if you don’t have valuable assets, or if you’d prefer not to tie them to your borrowing.
The trade-off is that interest rates may be slightly higher, and lenders may look more closely at your business’s performance and credit history.
For a full breakdown, check out our secured vs unsecured loans guide.
Unsecured business loans can be a good fit if you need access to finance without putting up assets. They’re often used for working capital, covering short-term costs, or funding growth when time matters.
They’re especially useful if:
They might not be the best option if you’re after the lowest possible interest rate or need a large loan over a long term. In those cases, a secured loan may offer more favourable terms.
After struggling to get finance, I came across Greenwood Capital and gave it a shot. George got in touch and within days, the funds were in my account - enough for the van, some cashflow, and even marketing. It’s been life-changing. Huge thanks to George and the team.We’re here to help - get in touch
Applying for an unsecured loan is simple. You can check your eligibility online in minutes, with no impact on your credit score.
We’ll ask a few quick questions about your business, then match you with lenders who are the right fit. If you decide to go ahead, we’ll guide you through the next steps and help you move forward with your application.
We’ve answered some of the most common questions below, from how quickly we can fund to what kind of businesses we support.
No, checking your eligibility for an unsecured loan won’t hurt your credit score if a soft search is used. At Greenwood Capital, you can check your options without any impact. A full application may involve a hard credit check, depending on the lender.
Greenwood Capital can arrange unsecured business loans up to £1 million based on creditworthiness and affordability. While the loan itself is unsecured, most cases require a Director's personal guarantee - though we can arrange PG insurance if needed. Loan limits depend on factors like your credit score, income, trading history, and overall risk profile.
Getting approved for an unsecured loan depends on your business profile. Lenders will usually look at your revenue, trading history, and credit score. Greenwood Capital helps you find lenders most likely to say yes.
Don’t wait to fund your growth. Our specialists are ready to help you find the right unsecured loan for your business. Apply using our form at the top of the page or get in touch today.