Unsecured Business Loans for Tech Companies
Tech companies need to invest in hiring, product development, infrastructure, and marketing to grow. Unsecured business loans provide non-dilutive capital — funding that does not require you to give away equity or take on VC terms. For profitable tech businesses or those with strong recurring revenue, debt can be far cheaper than equity.
Lenders who understand the tech sector assess your monthly recurring revenue (MRR), growth rate, churn, and gross margins alongside traditional financial metrics. Some offer loan structures specifically designed for SaaS businesses.
Key Benefits
- Non-dilutive — keep your equity and cap table clean
- Fund hiring, product development, and go-to-market
- No property security required for asset-light businesses
- Faster and simpler than equity fundraising
Frequently Asked Questions
Should I choose a loan or equity funding?
If you are profitable or have strong recurring revenue, debt is usually cheaper. You keep 100% of the equity and avoid dilution. Equity is better suited for pre-revenue businesses or those needing very large amounts with uncertain timelines to profitability.
Can pre-revenue startups get unsecured loans?
Very difficult. Most unsecured lenders require 2+ years of trading and demonstrable revenue. Pre-revenue startups should consider SEIS/EIS equity, innovation grants, Start Up Loans, or revenue-based finance once revenue is established.
What about R&D tax credit advances?
R&D tax credit advances are a separate product — you borrow against your confirmed or expected HMRC R&D tax credit claim. This can be combined with or used instead of an unsecured loan. See our R&D advance pages for details.
How do lenders view SaaS metrics?
Specialist tech lenders look at MRR, ARR, net revenue retention, churn rate, LTV:CAC ratio, and gross margins. Strong SaaS metrics can support larger loan amounts even if bottom-line profitability is modest.
Related Funding Options
Unsecured Business Loans UK
Business loans from £1k to £500k with no property security required. Fast decisions, flexible terms. Compare unsecured loans for UK businesses.
Revenue-Based Finance for Tech Companies
Non-dilutive growth capital for UK SaaS and tech businesses. Fund product development, hiring, and marketing without giving away equity.
R&D Tax Credit Advance for Tech Companies
Get early access to your R&D tax credit claim. Advance funding for UK SaaS and technology businesses claiming R&D relief.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.