Check Eligibility
For UK Limited Companies

Unsecured business funding. Matched to the right lender, decided in days.

Working capital, tax bills, contract funding, growth. No property security required. We assess your situation, match you with the lender on our panel most likely to say yes, and manage the process end to end.

Apply in under one minute

£1k – £1m
Typical funding range
Days, not weeks
Typical time to funds
No property security
Unsecured facilities
Whole of market
Panel + broker network

How It Works

Three steps between you and the right funding facility.

No generic application forms fired off to twenty lenders. One structured process, matched to the lenders most likely to approve your specific situation.

  1. STEP 01

    Apply in minutes

    Complete the short application at the top of this page. It tells us who you are, what you need the funding for, and how urgent it is. Takes under five minutes.

  2. STEP 02

    Qualification call

    One of our team calls you to understand the full picture: the amount, the purpose, your trading history, and the timeline. This is what gets the match right.

  3. STEP 03

    Matched & funded

    We present your case to the right lender on our panel or broker network, manage the process end to end, and keep you updated until funds land.

What UK Businesses Use It For

If it keeps the business moving or grows it, it can be funded.

The most common reasons limited companies come to us for unsecured funding.

  • Most Common

    Working Capital & Cash Flow

    Payroll, supplier payments, and bridging the gap while invoices sit unpaid on 30–90 day terms.

  • Seasonal

    VAT & Tax Bills

    VAT quarters, corporation tax, and HMRC deadlines that land before the cash does.

  • High Intent

    Contract Funding

    Materials, labour and mobilisation costs upfront, before the first payment on a new contract lands.

  • Growth & Expansion

    Hiring ahead of revenue, opening a second location, or entering a new market.

  • Stock & Inventory

    Bulk buying for supplier discounts, seasonal stock-ups, and e-commerce inventory.

  • Equipment & Fit-Out

    Equipment, vehicles, and fit-outs, including what traditional asset finance won't cover.

  • Refinancing

    Consolidating expensive borrowing into one facility, or restructuring an HMRC arrangement.

  • Acquisitions

    Buying a competitor, a book of clients, or funding a management buyout.

  • Marketing & Scale

    Scaling paid acquisition, launching a new offer, or funding a rebrand.

What You'll Need

Who this funding is built for.

We're direct about this upfront so nobody wastes their time. If you match the profile below, you're who our lenders want to see.

  • UK limited companyRegistered at Companies House. This funding is for incorporated businesses only.
  • 2+ years tradingWith filed accounts. Lenders want to see a trading history.
  • £250k+ annual turnoverMost lenders on our panel look for this as a baseline for £50k+ facilities.
  • A clear purpose for the fundsWorking capital, tax, contracts, growth. Lenders approve purposes, not vague requests.

Questions

Straight answers.

What does 'unsecured' actually mean?

No charge is taken over your property or business assets. However, directors are typically required to provide a personal guarantee. If you'd prefer a secured facility, we can discuss that on your qualification call.

How fast can funds land?

Once your case is with a lender and they have what they need, decisions and drawdown are typically measured in days rather than weeks. Exact timing depends on your situation and the lender.

Why is there an application fee?

The fee covers a full assessment of your case, matching with the right lender, and end-to-end management of the process. It filters for business owners who are serious, and it's credited against your success fee when your funding completes.

What if I don't meet the criteria?

We'll tell you on the qualification call rather than string you along. In some cases there may be alternative routes we can point you towards.

Do you lend the money yourselves?

No. Lending Sphere is a commercial finance broker. We match your case with lenders on our panel and broker network, and funding is provided by those lenders, subject to their approval.

The right funding, matched to your situation, in days.

For UK limited companies. Apply in under five minutes.

Start the Application

Funding is subject to lender approval. A personal guarantee is typically required. Lending Sphere is a commercial finance broker, not a lender.