Unsecured Business Loans

Flexible Finance with No Collateral Required

At Mayfair Southern, we understand that not every business has physical assets to offer as security. That’s why we provide unsecured business loans—a fast, flexible solution for companies that need quick access to capital without putting assets on the line.

Whether you're managing cash flow, purchasing stock, or seizing a growth opportunity, unsecured finance can give your business the freedom to act swiftly—without the constraints of traditional lending.

An unsecured business loan allows your company to borrow money based on creditworthiness rather than physical collateral. These loans are ideal for asset-light businesses or those that prefer not to secure finance against property or equipment.

Because there's no security involved, lenders assess applications based on your trading history, credit profile, and financial health. Most unsecured loans require a personal guarantee from company directors to mitigate the lender’s risk.

Loan amounts typically range from £10,000 to £2,000,000, with repayment terms from 3 months to 6 years. Many lenders also offer the flexibility to repay early or make overpayments without penalties—ideal for businesses needing short-term funding or bridging finance.

At Mayfair Southern, we have access to a wide-ranging panel of trusted funders, allowing us to scan the entire market to find the most suitable lending solution for your business. From initial consultation through to fund release, we handle the full process—so you can stay focused on running your business.

What sets us apart:
✅ Whole-of-market access
✅ Fast decision-making—typically within 48 hours
✅ Over 10,000 businesses supported
✅ Hands-on support from application to funding

Unsecured loans are particularly suitable for:

• Businesses without valuable assets
   
• Start-ups and SMEs looking for fast access to funds
   
• Companies wanting to avoid tying up assets in finance agreements
   
• Businesses needing working capital, bridging finance, or stock funding 

Step 1: Submit Initial Information
Once you get in touch with us, we’ll ask for documentation such as your latest accounts, six months of business bank statements, and personal details of any directors.

Step 2: Application Review
We’ll assess your application and submit it to our panel of lenders. Most respond within 48 hours. We'll also complete standard KYC and ID checks for compliance purposes.

Step 3: Approval & Funding
Once you accept the offer, loan documents will be sent for your signature. Following final checks, the funds are typically released within 24 to 72 hours, depending on the lender.