Unsecured Business Loans
Business funding without putting assets at risk
Borrow up to £500,000 unsecured with decisions in as little as 24 hours
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Don't want to secure against assets?
Unsecured Term Loans
Fixed-term loans from 3 months to 5 years with no asset security required. Suitable for growth investment, hiring, or operational costs.
Revolving Credit Facilities
Draw down and repay as needed within your approved credit limit. Pay interest only on the amount you use - ideal for managing cash flow peaks.
Start-up Loans
Government-backed start-up loans for businesses trading less than 2 years. Up to £25,000 per director at a fixed 6% interest rate.
Why businesses choose us
Flexible
Repayment terms from 3 months to 5 years, with early repayment options.
Specialists
Access to challenger banks, fintechs and alternative lenders through one application.
Fast decisions
Many lenders decide within hours and fund within 24-48 hours.
Tailored solutions
We match you to lenders whose criteria fit your business - not the other way round.
Finance by Industry
Fund fit-outs, stock, seasonal cash flow and business expansion for retail operations.
See Retail finance options →Unsecured Business Loan FAQs
An unsecured loan requires no collateral - instead, lenders assess eligibility based on your business's trading history, revenues, and creditworthiness.
Unsecured Business Loans across the UK
Spark Finance arranges unsecured business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
- Unsecured Business Loans in Birmingham
- Unsecured Business Loans in Coventry
- Unsecured Business Loans in Wolverhampton
- Unsecured Business Loans in Stoke-on-Trent
- Unsecured Business Loans in Nottingham
- Unsecured Business Loans in Leicester
- Unsecured Business Loans in Derby
- Unsecured Business Loans in Northampton
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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