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No Collateral. No Personal Guarantees.

Unsecured Business Loans UK

No collateral. No personal guarantees. No risking your home or personal assets. Elect Capital provides £25k–£750k in unsecured working capital for UK SMEs, approved on the strength of your business performance, not what you own.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Common Use Cases
How UK Business Owners Use This Funding
Growing without risking personal assets
You want to invest in your business but don't want to put your home or car on the line. Unsecured funding means your personal assets stay protected.
Funding when you don't own property
Many business owners rent rather than own. Traditional secured loans aren't an option, but unsecured funding from Elect is.
Scaling marketing and hiring
Invest in a new marketing campaign, hire key staff, or expand into new markets without waiting to refinance property or find a guarantor.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form. No paperwork, no branch appointments, and zero hard credit pull. We will never affect your credit score during the initial application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
At a Glance
How Elect Capital Compares
We built our funding process around what UK business owners actually need. Here is how it measures up against traditional lending.
Traditional Lenders
Elect Capital
Approval speed
2 to 6 weeks
Same business day
Collateral required
Typically yes
Never
Hard credit check
Yes, during application
No hard credit pull
Documentation needed
Business plans, projections, years of accounts
Basic details and recent bank statements
Personal guarantee
Usually required
Not required
Funding range
Varies widely
£25k to £750k
Your point of contact
Call centres and rotating staff
Dedicated UK-based advisor
Eligibility
Who Can Apply?

You don't need perfect credit or property as collateral. If your business is generating consistent revenue and has been trading for at least a year, you're likely eligible.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
Industries
Industries We Work With
We fund established UK businesses across a wide range of sectors. If your business generates consistent monthly revenue and has been trading for at least 12 months, we want to hear from you.
FAQ
Common Questions
It means you don't need to put up any collateral. No property, vehicles, equipment, or other assets as security. Your funding is based on the strength of your business, not what you own personally.
No. Elect Capital's unsecured business loans do not require personal guarantees. Decisions are made based on your business revenue and trading performance.
Rates vary based on your business profile. While unsecured products may carry slightly different terms than secured loans, the speed, flexibility, and lack of collateral requirements often make them the most practical choice for growing SMEs.
We look at the full picture: your business revenue, cash flow trends, and trading history, not just a credit score. Many businesses with imperfect credit histories qualify for funding through Elect Capital.
Most established UK SMEs are eligible. Your business must be UK-registered as a limited company or partnership, have been trading for at least 12 months, and generate a minimum of £25,000 in monthly revenue. We fund businesses across a wide range of industries.
Apply before 2pm and receive a same-day decision. Once you accept an offer, funds are typically transferred within hours. There is no waiting weeks for paperwork to be processed or security valuations to be completed.
Eligible UK businesses can access between £25,000 and £750,000 on an unsecured basis. The amount is based entirely on your business revenue and trading history, with no cap determined by the value of assets you own.
Any legitimate business purpose. Common uses include hiring staff, purchasing inventory, marketing campaigns, equipment, covering cash flow gaps, tax payments, refurbishments, and working capital for growth projects.
No. Elect Capital does not perform a hard credit check at the application stage. You can apply and receive an offer without any impact on your personal or business credit file.
Repayment schedules are tailored to your business cash flow and typically run from 3 to 18 months. We align repayments with your revenue cycle so they are manageable from the outset, with no hidden charges or unexpected adjustments.
Working capital loans are a type of unsecured lending focused on funding day-to-day operations. All of Elect Capital's products are unsecured, but the specific product best suited to your needs depends on how you plan to use the capital. Our team can help you identify the right fit.
The Elect Difference
Why Business Owners Trust Elect
We're not a bank. We're not a broker. We're a dedicated funding platform built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution. No middleman, no delays.
Get Started
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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