Warehouse manager who uses unsecured business loans to buy stock

Business Loan Calculator

We like to keep things simple.  We don’t like hidden fees or surprises!
Use our calculator to give you a guide to how your unsecured business loan could be structured.
Remember: we can often beat these rates depending on your circumstances.

  • Select how much you want to borrow

  • £ 1,000 £ 200,000

  • Select the term of your loan

  • 1 Month 24 Months

Apply today to get the cash injection your business needs!


This calculator tool is merely a guide and does not constitute a contract.
Access to finance will be assessed prior to any agreement being made to provide a finance facility.

Definition of an Unsecured Business Loan

“An unsecured business loan is a type of borrowing that attracts interest and is repaid by the lender in regular instalments. Decisions to lend are based on the creditworthiness of the business and the Directors or Owners and so they are not secured against any kind of collateral, property or equity.”

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Unsecured Business Loans explained

If your business needs a cash injection to drive it forward, but it’s lacking collateral and you don’t want to part with equity, an unsecured business loan is probably the financial boost you need.

Whether you are looking for a shot of working capital, or you need the loan for a specific purpose, if you can pay it back within two years, we can probably find the lender and deal for you.

An unsecured business loan is one of the most straightforward forms of business finance – similar to an unsecured personal loan, you borrow a fixed lump sum over an agreed period, and pay back the balance and interest due in fixed monthly repayments, without having to secure your loan against stock, property or equity. If you need a more flexible payment structure that adapts to seasonal or monthly changes in your turnover, why not talk to us about Merchant Cash Advances?

Providing unsecured business loans in tricky circumstancesBusiness entrepreneur working from home

If you’re worried that you don’t have the solid trading history or perfect financial past that you need for this type of loan, talk to us – you might be surprised by what we can do. At Access Commercial Finance, we excel in finding finance in tricky situations, or for companies operating in unpopular sectors, and even with an unsecured loan, we can often find a solution that others might not look for.

We like to get to know the businesses that we provide finance for; we know that a nightclub will operate completely differently from an estate agency for example, and we try to find solutions to suit the unique ups and downs of your trade.

Whether you are looking for a short to medium term boost so you can expand, relocate, or even replenish your stock, we are likely to be able to find the right deal to suit your circumstances, and we will also try to structure your repayment plan in the most affordable way for you.

You can potentially borrow up to £200,000 as an unsecured business loan depending on your circumstances, and interest is charged monthly with no hidden fees. Interest rates are dependent on your credit rating.

Unsecured business loans solutions

Unsecured business loans are the preferred type of finance for a massive range of sectors, from bars to bookkeepers, and department stores to online retailers. Some of the solutions we have provided are:

  • Unsecured business loans for department stores
  • Unsecured business loans for online shops
  • Unsecured business loans for nightclubs
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Contact us now to find out if we can provide the cash injection that you need to put your ambitions into practice.

Before taking an unsecured business loan out, please make sure that you can afford the monthly repayments as failure to keep up with repayments could affect yours or your businesses creditworthiness, which may affect your ability to obtain credit in the future.

Our Latest Blogs

  • How To Better Manage Your Stock

    Your stock management runs parallel to your cash flow. Treat it right and it can grow in value, but manage it badly and you'll pay for it. Effective stock control affects how you manage your finances. To get it right and take advantage of your business opportunities means making your operations as streamlined as possible. You can start with managing your stock better and a clear benefit of doing so is more attractive finance opportunities with business funding in the UK.

  • How To Survive Employee Wage Demands

    How do employee pay demands affect business finance and how can you achieve happy, contented staff without having to pay through the nose to get it? We take a look at the issues affecting employers when confronted by employee wage demands and what you can do to put yourself in the best position to address them.

    Setting Employee Salaries

    Receiving increased wage demands from employees can be a delicate balancing act. On the one hand you risk paying them too little and losing talent to competitors, and on the other you risk paying them too much and crippling the finances of your business.

    Having the ability to set salaries correctly from the start is a benefit new businesses can control, and it can help align your business finances to cope with increases in the future, as well as ensuring that you are within industry-standard tolerances. If your cash flow is healthy and your finances are good, then you may consider paying above industry standard in order to attract the very best talent, but that still leaves you with the same increased employee wage demands in the future.

    Most business owners want to attract good talent and pay them fairly. But how can you set salaries that reflect the best-of-both-worlds scenario?

    Determining the relative value of each employee

    Ask yourself, 'how much value or revenue is each employee likely to bring in?' This should be the uppermost of what you can pay that employee.

    For a sales person tasked with generating revenue with a profit of £250,000 per year, you might well be looking at paying them £50,000 + commission and benefits.

    But the same formula might not be used for admin or support staff. Perhaps they don't make money, but they will save you some. Working out how much they can save your business is the key to working out their relative and fair salary expectations. It can certainly help you figure out the most amount of money their position is actually worth.

    Finding common ground in salary expectations

    There are many ways you can set about establishing either the market rate for that position or the least you are willing to pay them. Taking a look at similar jobs from online job-sites is one, and discussing employee wages amongst your networking meet-ups is another.

    The chances are you won't be willing to pay top-rate for candidates, but you probably won't want to pay the minimum either, because as the saying goes 'when you pay someone peanuts...'. It is highly likely that you will be looking at a salary somewhere in between, where you are more likely to find the best talent, willing to work for a mutually commensurate salary that fits in with your business finance projections and budget.

  • Tips For Managing Business Assets

    Your assets are not only important, but they also change during your business’s lifetime. Identifying, monitoring and keeping track of them can help you when it comes to assessing your business funding opportunities in the UK.

    Business Assets Are Important

    Business assets add value to your business. Your assets can be both tangible and intangible and at first sight they do two jobs, firstly they can help you get business funding by helping to secure finance, and secondly they are the intellectual driver of your business idea.

  • How To Plan For Auto-Enrolment With Business Finance

    For many SMEs and business owners the prospect of setting up the workplace pension scheme has been fraught with additional costs, labour time and effort. But the risks of not doing so are much heavier. Here is a guide to how auto-enrolment dates will affect your new business and how you can use small business finance to balance the costs.

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