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Unsecured Business Loans

Fast, Flexible Funding without Collateral

Get the capital you need to grow – No assets required
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Access business finance without putting your assets at risk

For businesses looking to expand, invest, or manage cash flow, securing financing without offering collateral can be challenging.

 

Unsecured Business Loans from GoodFX provide quick access to funding, based on your business’s financial health, not physical assets.

 

With fast approval and flexible repayment terms, we help businesses secure capital without the risk of losing property, equipment, or other valuable assets.

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The Challenge:

Traditional loans are restrictive

Collateral requirements

Traditional lenders demand security against loans

Long application processes

Banks can take weeks or months to approve loans

Rigid repayment terms

Fixed schedules that don’t align with business cash flow

Limited options

Although fast growing, younger companies often face rejection

The Solution:
Hassle-free, unsecured business loans

An Unsecured Business Loan gives you access to capital without needing assets as security, making it an ideal solution for fast-moving businesses.

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No Collateral Required

No need to risk your property or assets

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Fast & Simple Approval

Get funded in as little as 24-48 hours

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Flexible Loan

Amounts

Borrow between £10,000 – £500,000

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Tailored Repayment Terms

Choose terms that work for your business

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Supports Business Growth

Use for expansion, inventory, payroll, etc.

Who is eligible for an Unsecured Business Loan?

If your business is growing and needs capital without tying up assets, an Unsecured Business Loan is one solution.

✔ Businesses with a minimum £100,000 turnover

✔ Limited companies with 6+ months trading history

✔ Owners willing to provide a personal guarantee*

      * in some cases

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How Unsecured Business Loans work

Apply Online

Provide basic business details and financial statements

Get Approved

Based on your business performance and credit profile

Receive Funds

Money is deposited into your business account

Repay Monthly

Fixed or flexible repayment terms tailored to your needs

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No collateral needed

Borrow based on cash flow & creditworthiness

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Fast access to funds

Get approved and funded within 48 hours

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Use funds for anything

From hiring staff to launching new products

Making an impact with every transaction

​At GoodFX, we go beyond payments. We’re a B Corp-certified company, committed to economic inclusion and social impact.

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1/3 of our profits are donated to your chosen charity – at no cost to you
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That supports refugee education and financial inclusion initiatives
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Receive impact reports and PR materials for your ESG reporting

Safeguarding Notice:

When funds are posted to your account, in line with regulatory requirements, the regulated institutions who we work with safeguard your funds. This means that the funds shown in your payment account or e-wallet are held at reputable banks or covered by an insurance policy, and most importantly, are protected for you in the event of our partner institutions’, or our, insolvency. Our partners stop safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

 

Partner Providers:

GoodFX partners with the seven FCA-regulated entities listed below. 

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Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Terms of Use are available here.

GoodFX’s Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. GoodFX is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828

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ALT 21 Limited, a company incorporated in England and Wales (No.10723112) with its registered office at 45 Eagle Street, London WC1R 4FS, United Kingdom, is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FRN:783837). ALT 21 Software Limited, the parent company, is incorporated in Ireland (No. 578153) with its registered office at Century House, Harold's Cross Rd, Dublin, D6W P993, Ireland. 

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Payment services for GoodFX Ltd are also provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.

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Equals Money Plc. Registered Address: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Company registered in England and Wales. Registered number: 05539698. Money Service Business Registered Number: 12236741.


Interpay UK Ltd t/a TransferMate – Authorised as an Electronic Money Institution by the UK Financial Conduct Authority under registration no. 900930.

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Commercial financing solutions are offered by Spark Finance Limited, which acts as a broker rather than a lender. The company's registered office is located at 18 John Stow House, London, England, EC3A 7JB, with a company registration number of 10128297. Spark Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 958123).

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All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.  

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