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Secured vs. unsecured business loans

Take control of your future with finance from the business loan specialists. Apply in 10 minutes today.

  • Apply online in 10 minutes

  • Decision in as little as 1 hour

  • Borrow £10,000 to £500,000

  • Rates from 6.9% per year

BBB logoAs well as offering business loans up to £500,000, Funding Circle is accredited by the Government-owned British Business Bank to provide business loans of £25,001 – £250,000 under the Recovery Loan Scheme (RLS).

What’s the difference between secured and unsecured business loans?

Unsecured loans

Loans up to £500,000

Unsecured loans allow you to borrow without giving security on any business assets, such as property or equipment. They’re a quick and easy way to get an affordable cash injection for your business.

Secured loans

Loans up to £1 million

Secured loans allow you to borrow more for your business as you can use business assets as collateral. If your business can’t pay back the loan in full, the proceeds from the sale of assets can be used to pay off the outstanding amount.

What we offer

At Funding Circle we offer a variety of products to suit different needs, from business loans to short term finance.

Funding Circle business loans

Borrow from £10,000 to £500,000 over up to 6 years. All loans are fixed rate and come with no early settlement fees. No security is required, but we may ask for a personal guarantee.

Asset finance

Borrow up to £5 million to fund new equipment, vehicles, machinery or other assets through our partners.


Spread the cost of business bills, invoices and more over 3 months with a line of credit of up to £250,000. It includes options to pay by business credit card or transfer directly to a supplier.

Check your eligibility in 30 seconds with our online form without affecting your credit score.
Bramley and gage

Bramley & Gage

"With their business funding, Edward and Michael from Bramley & Gage were able to boost their production by purchasing a new gin still."

Applying is quick and easy

a woodworker looking at a laptop
  1. 1

    Check if you qualify in 30 seconds

    See if you’re eligible without affecting your credit score

  2. 2

    Apply online in 10 minutes

    Complete our simple form with your details, and we’ll only ask for supporting documents if we need them

  3. 3

    Get approved in as little as 1 hour

    If approved, you’ll receive no-obligation offer with your personalised rate

  4. 4

    Get your funds in a couple of days

    Once you accept your offer we'll deposit the money into your account - typically within 48 hours


Here to help if you need us

Contact our UK-based team if you have any questions

Medina capital

Medina Capital Investments

"It’s been fantastic. It’s really progressed our company."
Financial times logo
“Funding Circle was the first “marketplace lender” to join the UK’s Coronavirus Business Interruption Loan Scheme” – The Financial Times, April 2020

About us

Find out how we’re changing finance to help businesses around the world.

How it works

Learn how our small business loans are funded by a range of investors.