Business Loans
Secured and unsecured borrowing for a defined business purpose.
Business loans may be secured or unsecured. Secured loans are typically supported by an asset or property, while unsecured loans rely on the strength of the business and, often, a personal guarantee.
Understanding business loans.
We do not recommend a specific product automatically. The right route depends on the purpose, amount, timescale and the business circumstances.
Amworth is an introducer, not a lender. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- You know the amount required and the purpose behind it
- You would prefer fixed, predictable repayments
- The requirement is longer-term than a short cash-flow gap
Common structures within the category
- 01
Unsecured business loan
Based on the strength of the business. A personal guarantee is commonly required.
- 02
Secured business loan
Supported by property or another asset, which may allow larger amounts or longer terms.
- 03
Term loan with a capital repayment holiday
Some providers may consider an initial interest-only period. Availability depends entirely on the provider.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Business Loans — frequently asked
Related finance routes
Talk through business loans for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.