Business Loans & Unsecured Finance
What can a business loan be used for?
An unsecured business loan is the simplest way to borrow: a lump sum, a fixed term and a repayment you can plan around. Lenders look at the business, not your premises.
Opening a new site, launching a product or moving into a new market. A term loan gives you the capital up front and lets the new activity pay for it over time.
Buy stock ahead of a busy period, mobilise a large contract or fund the gap between paying suppliers and being paid yourself.
Spread a VAT or corporation tax bill, a fit-out, a legal settlement or an unexpected repair over a term that protects your cash reserves.
Hire ahead of revenue, invest in a sales team or fund a campaign, with repayments matched to when the return should arrive.
How a business loan comes together
Discovery call
Lender terms provided
Funds issued
What lenders look at
Term loan, revolving facility or secured loan?
*Indicative only. Rates, terms and guarantee requirements depend on the lender, your sector and your trading position.
Get business loan terms
Tell us how much you need and what it is for, and one of our corporate finance advisers will call you back, usually the same working day.
Client Testimonials
Business Loan FAQs
A fixed-term loan that does not require property or other assets as security. Lenders rely on the trading record of the business and, in most cases, a personal guarantee from the directors. Funds are paid as a lump sum and repaid monthly over one to five years.
We arrange funding from £25k to £25m+. For unsecured lending the amount depends on turnover, profitability and credit history. Larger sums usually need some form of security, which is where secured business finance comes in.
For a well-prepared application, lender terms can come back within two to five working days and funds within days of signing. Complex cases or larger amounts take longer, and we will give you a realistic timeline on the discovery call.
Almost always for unsecured lending. A personal guarantee means the directors are personally liable if the business cannot repay. We explain exactly what you are signing, whether the guarantee can be capped and whether personal guarantee insurance is worth considering.
Some lenders will consider businesses trading for 12 months or more with strong recent performance, although terms are usually tighter and the amount smaller. Businesses with two years of filed accounts have the widest choice.
Most legitimate business purposes: expansion, stock, tax bills, recruitment, marketing, equipment or consolidating more expensive debt. Lenders like a clear purpose with a visible return, so we help you frame the application accordingly.
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Why Ramsay & White?
Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.