Business Loans

No early repayment fees

Easy applications

Fast 24hr turnarounds

Borrow up to £500k

Dedicated Account Manager

Human support. No call centres

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Our Business Loans

From a variety of Unsecured Business Loans to Merchant Cash Advances, we can offer up to £500k to give your business a cash injection. We work with multiple Lenders to bring you fast unsecured finance for your business - just talk to us about your requirements and we will hunt down the best business loan facility for you.

We’ve helped over 10,000 businesses secure business loans by matching them with the right lending facility for their specific funding needs.

Flexible Business Loans

Fixed monthly repayments from 6 months to 5 years

Instant decisions on Unsecured Loans up to £500,000

A Personal Guarantee is required for unsecured lending facilities

Settle at any time with no additional fees

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Fast and Flexible Loans for UK Businesses

Upgrade existing machinery or purchase new business equipment
Fund business expansion, hiring or growth initiatives
Cover unexpected or one-off business expense costs
Refurbish or improve your business premises
Asset and stock purchasing
HMRC payments such as VAT or Corporation Tax
Funding business contracts before client payment is made

What is an Unsecured Business Loan?

An unsecured business loan is a flexible finance solution for businesses that need upfront capital for asset purchases, projects or to support cashflow. Unlike many other funding options, an unsecured loan allows you to access funds without using property, equipment or other assets as security, helping you move quickly without tying up existing resources.

Funds can be used for a wide range of purposes, including purchasing new equipment, refurbishing offices, investing in growth, managing seasonal fluctuations, covering unexpected costs or simply giving your business extra working capital. Loan terms are typically fixed, with clear monthly repayments that make budgeting straightforward and predictable.

Approval is usually based on the strength and track record of the business rather than physical security, and in most cases a director will be asked to provide a personal guarantee. This type of funding is ideal for established businesses that want fast access to capital, a simple application process and the flexibility to use funds where they are needed most.

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What is the difference between Secured and Unsecured Loans?

Three main differences between secured and unsecured loans relate to security, cost, and speed.

Security – A secured loan requires you to provide an asset such as property, equipment or vehicles as security. If the loan is not repaid, the lender may recover the debt from the asset. An unsecured loan does not require an asset for security, however, a director is usually required to provide a Personal Guarantee.

Cost – Lenders may offer lower interest rates for secured loans due to the reduced risk. Unsecured loans can sometimes be offered with higher interest rates due to increased risk for the lender.

Speed – Secured loans can take longer to arrange due to asset valuation and legal checks. Unsecured loans are faster to arrange because decisions are quick, but this is dependent on the lender and your circumstances.

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What Do Our Customers Say?

Who can apply for an Unsecured Business Loan?

Any company type, including partnerships and limited companies

Any company age or size

Any business sector

Depending on the amount you want to borrow and your business turnover, lenders may request supporting documentation such as:

Your latest filed accounts

At least 3 months of business bank statements

Confirmation that at least one Director resides in the UK

As unsecured lending requires no asset security, a Personal Guarantee is usually required from a director.

The benefit of working with Reality Finance is that we can approach the right lender on your behalf after learning more about your business, so we have no single set of requirements to progress your application.

What is a Personal Guarantee?

A Personal Guarantee for a business loan is a legal agreement where a director or owner agrees to pay the loan if the business is unable to make repayments. This means that if the business defaults on the loan, the guarantor becomes personally responsible for the outstanding balance. Personal Guarantees are common in unsecured business lending and form part of the lender’s overall affordability and risk assessment.

Speak to an Unsecured Business Loan Specialist

If you are considering an unsecured business loan, the first step is a simple conversation.

We take the time to understand your business, your cash flow, and what you want to achieve before making any applications, giving you peace of mind. There is no obligation to proceed, and we will always explain the terms clearly before you make a decision.

Request a callback today and one of our business loan specialists will be in touch to discuss your options.

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“Reality Finance provide competitive lease rates enabling our customers to spread the cost of purchasing new equipment with our Easy Payment scheme. They are happy to talk directly with our customers and offer expert financial advice. In this difficult economic climate, we are looking to build on our relationship to make purchasing even easier for our customers.”

Mark Jackson-Nichols , Director, Loma Systems

Having Reality Finance as a partner has enabled our customers to invest in our tray sealing lines which is vital capital equipment that has enabled them to grow their businesses and improve efficiencies much quicker than if they had waited to generate the cash to pay for these assets.

We have always found the team at Reality Finance to be extremely responsive and supportive of us and our joint customers through the whole purchasing process, making it as smooth and swift as possible.

Sam Ashton , Commercial Director, Packaging Automation Ltd

How does our Finance work?

You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.

Choose the asset or service your company needs