Unsecured business funding.
Fast access to capital — no collateral required. *
Access between £1,000 and £750,000 to support your business growth. No assets required. Apply in minutes with no impact on your credit score.
How it works (the Caply way)
Spend a few minutes telling us about your business and funding needs.
We match you with our wide range of lending partners to find your best rate.
Once approved, funds are transferred directly to your account.
Funding that works across industries
Whether you're running a construction company, a retail store, or a busy cafe, our unsecured funding can provide the flexibility businesses need to move forward.
Every industry operates differently. That’s why funding options are matched to your situation, your sector, and your plans for growth.
No Asset Requirement
Access the funding you need without securing against your property or equipment.
Speed to simplicity
Because there is no lengthy valuation process, we can often get funds into your account within 24–48 hours.
Flexible use
Use the capital that supports you, from managing cash flow to hiring new staff to investing in new opportunities.
A network of trusted funding partners
We work with a panel of established UK lenders to present funding options suited to your business profile.
Rather than approaching lenders individually, our process allows businesses to explore multiple options through one enquiry, helping save time while providing greater visibility over available funding solutions.
Our role is to help businesses understand their options clearly and move forward with confidence.
What unsecured funding can be used for
Businesses use unsecured funding in different ways depending on their stage of growth and operational needs. Because the funding is unsecured, businesses have the flexibility to deploy capital where it matters most.
Common uses include:
Managing short-term cash flow
Purchasing stock or equipment
Hiring new staff
Investing in marketing or expansion
Supporting seasonal demand
VAT and tax bills
Bridging gaps between invoices and payments
Other funding options
If unsecured business funding isn’t quite right for your business, we work with a network of lenders to provide other flexible solutions tailored to your needs, from invoice finance to asset-backed loans.
Illustrative example of how funding can support business growth
Illustrative example for demonstration purposes only. This does not represent actual results or guarantees. Business performance varies depending on individual circumstances.
Understanding unsecured business funding.
How unsecured funding works and how it can support your business.
Unsecured business funding allows companies to access capital without providing assets such as property or equipment as collateral.
Instead, lenders assess factors such as business performance, trading history, and affordability when determining eligibility.
Because assets are not required, unsecured funding can often be arranged more quickly than traditional secured lending. This makes it a useful option for businesses that need to respond to opportunities or manage short-term financial pressures.
Funding amounts typically range from £1,000 to £750,000, depending on the lender and the financial profile of the business.
Tell us about your business and the funding you're looking for. Our team of specialists will review your enquiry and present suitable options from our network of lending partners. Apply below in minutes.
-
Unsecured business funding is finance that doesn’t require you to put forward assets like property, vehicles, or equipment as collateral. Instead, lenders assess your business based on factors like revenue, cash flow, and trading history. It’s a fast, flexible way to access capital without risking your assets.
-
In many cases, funding can be arranged within 24–48 hours. In some instances, funds may be available in as little as 4 hours, depending on the lender and how quickly the required information is provided during the application process.
-
Unsecured funding is ideal for businesses that need quick access to capital without tying up assets. It works well for managing cash flow, covering short-term expenses, or funding growth opportunities. If your business has consistent revenue and you want a simple, fast funding solution, it could be a great fit.
-
In most cases, funding is available to UK limited companies, but some lenders may also support sole traders or partnerships. Eligibility depends on your business structure, trading history, and financial performance.
-
No, that’s the main advantage of unsecured funding. You won’t need to secure the funding against business or personal assets. Approval is based on the strength of your business rather than what you own.
-
Approvals can happen very quickly, often within a few hours of submitting the required information. Once approved, funds can typically be in your account the same day or within 24 hours.
-
Initial enquiries usually involve a soft credit check, which does not affect your credit score. A full credit check may only be carried out if you decide to proceed with a funding offer.
-
Funding amounts typically range from £1,000 up to £750,000, depending on your business’s revenue, affordability, and overall financial profile.
-
Unsecured funding is flexible and can be used for a wide range of business needs, including:
Managing cash flow
Purchasing stock or inventory
Hiring staff
Marketing and growth initiatives
Covering unexpected expenses
Investing in new opportunities
Funding that supports your business moving forward.
We help growing businesses access flexible and financial solutions designed to support growth, stability, and opportunity.
1.5x
Borrow up to 1.5x your monthly revenue.
No early repayment fees.
*Subject to lender approval.