Independent broker · Whole of market · 100+ lenders

Unsecured business loans
from £10k to £500k
— decision in 24 hours

No property security required. We search 100+ specialist lenders to find the right terms for your business. Free consultation, no obligation.

  • No assets or property required as security
  • Decisions in as little as 24 hours
  • Flexible repayment terms 1–5 years
  • We handle the entire process for you
  • No upfront fees — ever
Prefer to talk? 07811 211675 Mon–Fri 8am–7pm
No credit check No upfront fees Decision in 24 hrs No obligation
100+
Lenders on panel
24 hrs
Average decision time
£0
Upfront fees
Simple process
How it works

We handle the complexity so you don't have to. From first call to funds in your account in as little as 24 hours.

1
Tell us what you need

Complete our 60-second form or call us directly. No lengthy paperwork at this stage.

2
We search the market

We match your profile to 100+ lenders and find the most suitable terms for your business.

3
Receive your offer

We present the best options clearly. No jargon, no pressure. Completely free to compare.

4
Funds in your account

Once approved, funds can arrive in as little as 24 hours. We manage the process end-to-end.

Do you qualify?
Most UK businesses are eligible

Our lenders are flexible. If your bank has said no, we have lenders who specialise in exactly those situations.

Check your eligibility →

Free · No credit check at this stage · No obligation

Trading 6+ months

Most lenders require at least 6 months of trading history. Shorter may still qualify.

£50k+ annual turnover

Minimum varies by lender. Some work with lower turnover — we'll tell you your options.

UK registered business

Limited company, LLP or partnership. We do not arrange loans for sole traders.

Adverse credit considered

Some CCJs or defaults don't automatically rule you out. We have specialist lenders.

Client stories
What business owners say

Five-star Google reviews from UK business owners who needed fast, flexible finance.

"We needed £75k quickly to buy stock before the Christmas rush. From our first call to funds in our account was six days. Absolutely brilliant."

James T.
Retail business · £75,000 arranged

"Our bank said no. These guys found us three options within 24 hours. The whole process was handled for us — we didn't have to do anything."

Sarah M.
Construction company · £120,000 arranged

"Completely transparent about costs and options. No pressure whatsoever. Got a better rate than I expected and cash in my account within a week."

Dave R.
Hospitality business · £40,000 arranged
Our panel
100+ lenders — we search them all

We compare specialist business lenders to find your best rate — including lenders who say yes when your bank says no.

Funding Circle
iwoca
Shawbrook Bank
Together Money
Fleximize
Liberis
Swoop
Nucleus Commercial Finance
MarketFinance
Capitalise
+ 90 more lenders
Ready when you are
Find out what you qualify for today

Free consultation · No credit check · Decision in 24 hours

Common questions
Answers to what business owners ask most
Many of our lenders can make a decision within 24 hours of receiving your application. Once approved and documentation signed, funds typically arrive within 1–5 working days depending on the lender and facility size.
Our initial enquiry process uses a soft credit check only, which does not affect your credit score and is not visible to other lenders. A hard credit search only takes place if you choose to proceed with a formal application.
This is extremely common and does not prevent us from helping you. Specialist lenders operate very differently from high street banks — they assess applications based on business performance and future trading rather than purely historical credit. Many of our clients were declined by their bank and secured finance through us within days.
Our advice and search service is completely free to you. We are paid a commission by the lender if you choose to proceed — this is fully disclosed to you before any application is submitted. There are no upfront fees at any stage.
Typically: 6 months of business bank statements, recent filed accounts or management accounts, and proof of ID for the director. Requirements vary by lender and loan size. We will guide you through exactly what is needed for your specific situation.
Adverse credit does not automatically rule you out. Several lenders on our panel specifically work with businesses that have CCJs, defaults, or complex credit histories. The best approach is to speak with us — we will tell you honestly what options are available.
Westbourne Commercial Finance is a credit broker, not a lender. Registered in England & Wales No. 1668239. Registered office: 55 Westbourne Road, Penarth, CF64 3HB. We introduce applicants to a panel of lenders and may receive a commission. We do not charge fees for our service. Your home may be repossessed if you do not keep up repayments on your mortgage.
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