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.”

Unsecured Business Loans eBook banner

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
Business Finance consultation banner

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 Conduct A Business Valuation

    There are many good reasons to look at valuing your business, whether it is to sell it, seek equity investment or apply for business finance. Just make sure you do your homework, prepare all your documents and understand exactly what is at stake.

  • How To Minimise Losses Using Business Rescue Loans

    It's not just small businesses and SMEs that need business rescue loans to get themselves out of a pickle, it happens to large corporations as well. It also happens to financial entities a whole lot bigger too.

    Take the case of Italian bank Veneto Banca, it recently needed over €17 billion euros in order to avoid closure and risk even more euros being sacrificed via Italian fiscal policy.

    Worse still was the Greek crisis, which lead Germany, France and Italy to lend over €360 billion via the IMF, European Central Bank and the European Commission. And still that hasn't worked (or ever was going to work).

    So having unenviable finances, or a business strategy that isn't working, doesn't just apply to businesses that find themselves on the wrong side of economic terms. Whether it's being on the wrong side of the pound when imports outweigh exports, or when incoming receivables are outweighed by supplier invoices. Every business has the potential to find themselves on the wrong side of the finance equation, so what are your options?

  • How To Innovate And Grow Using Manufacturing Business Loans

    UK manufacturing is a crossroads. Brexit and the value of the pound offers global expansion opportunities, but there are also financial constraints to growth still stopping industry innovation. Having more open access to manufacturing business loans can help bridge this gap and promote British manufacturing on a global level.

Hot from Twitter

Contact Access Commercial Finance Today