Facility size · £50k – £100k
At £50,000 the market is fast and largely automated. Decisions are driven by bank statement data, filed accounts and director profile rather than by a full credit paper, so a well-prepared request can complete inside a week. The trade-off is that pricing at this size is higher than for secured facilities, and almost every lender will ask a director for a personal guarantee.
12–60 months, fixed repayments, personal guarantee usually required.
Cheapest route where the money buys a tangible, resaleable asset.
If the gap is customer payment terms, a facility scales with sales instead of adding fixed debt.
Draw and repay as needed; interest only on the drawn balance.
Lenders at this level underwrite on affordability rather than security. Twelve months of bank statements showing consistent credits, a clean pattern of returned payments and no undeclared existing loans matter more than the balance sheet.
Two years of trading history and turnover above roughly £150,000 open the mainstream market. Below that, the options narrow to specialist and merchant-advance lenders at materially higher cost.
Typically 48 hours to one week from a complete pack.
Unsecured lending at this size generally prices from around 9% to 20% APR depending on trading history and sector. Asset finance is usually cheaper because the lender holds title to the asset.
Yes. Unsecured lending is standard at this size, though almost all lenders will require a personal guarantee from at least one director.
Most mainstream lenders want two years of filed accounts. Younger businesses can still be funded, usually through asset finance, invoice finance or a specialist lender.
No upfront fees. All charges are due only once funding is in place.
Tell us what the £50,000 is for and where repayment comes from. We structure the request and approach the providers whose criteria fit. No upfront fees — all charges are due only once funding is in place.
Start a funding request