Unsecured Business Loans

Inject cash into your business to fund new assets,
expand business, or improve cashflow.

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

Benefits of Unsecured Business Loans

An unsecured business loan provides an injection of cash for a business in need of funds to boost working capital, expand their business, fund projects, and for many other business-related reasons. If you don’t have assets in your business, a product without security may be ideal foryour business. This type of product is ideal for companies with intangible assets, such as consultancies, and recruitment agencies and similar industries.

Unsecured business loans often require a PG from the Company Director/Shareholder. This means that for any reason the business defaults on the loan facility, the director will personally guarantee to pay off the funds. Plentyof lenders offer unsecured loans, with upwards of £100,000 being available. Due to there being no security involved, a strong business profile is necessary tobe eligible for a loan.

Eligibility

Turnover

Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000 turnover.

Trading History

Similarly to Turnover, start-up companies can getfunding. Once you have filed accounts for your first year of trading, we canthen approach our panel of lenders to apply for an Unsecured Business Loan.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Limited Companies.

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FAQs

How much will an Unsecured Business Loan cost?
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TheAPR% signifies the percentage rate paid annually, which on an unsecured loanwill be starting from 2%. The range can be fairly broad, depending on theprofile of the Business.

Am I eligible for an Unsecured Business Loan?
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Eligibility varies largely from lender to lender,with some much more flexible, some much less. The basic criteria for applyingfor an Unsecured Business Loan facility is as follows:
£100k minimum turnover
12+ months trading history
No County Court Judgements or Adverse Credit History
Director being a homeowner (is preferred)
Businesses will ideally be profitable and have a positive balance sheet
UK Registered Limited Company

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange an Unsecured Business Loan?
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Unsecured Business Loan facilities can be completedwithin 1 – 2 days, from application to funds in your account. Our aim is alwaysto make the process as quick, and simple as possible, keeping you updatedthroughout.

How much money can I get through a Business Loan?
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Business Loans can vary hugely in amount. With an Unsecured Business Loan, anything between £10,000 and £500,000 can be funded.

Why JD Capital Finance?
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We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

CBILS Loan

“Would thoroughly recommend using JD Capital, we had great service all the way through the process from Perry. We will definitely be back should we need any more finance for the business Useful Share”

Reviews from our clients

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

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