{"id":295,"date":"2026-05-12T07:53:08","date_gmt":"2026-05-12T07:53:08","guid":{"rendered":"https:\/\/www.lainafy.com\/vakuudeton-yrityslaina\/"},"modified":"2026-05-21T15:46:40","modified_gmt":"2026-05-21T15:46:40","slug":"vakuudeton-yrityslaina","status":"publish","type":"post","link":"https:\/\/www.lainafy.com\/en\/vakuudeton-yrityslaina\/","title":{"rendered":"Unsecured business loan \u2013 Where to get it and who it suits"},"content":{"rendered":"<p>The unsecured business loan is the most flexible form of business financing: you don&#8217;t need pledged property or a guarantor, and a decision often comes the same day. In this guide we explain where to get one, who it suits, and how much it costs.<\/p>\n<h2>What is an unsecured business loan?<\/h2>\n<p>An unsecured business loan is a loan granted to a company that doesn&#8217;t require pledged property (e.g. real estate or business mortgage) or a guarantor. The lender&#8217;s only &#8221;security&#8221; is the company&#8217;s business profitability, credit records and cash flow.<\/p>\n<p>Unsecured business loans are particularly offered by digital lenders such as <strong>Qred<\/strong> and <strong>CapitalBox<\/strong>, and some banks.<\/p>\n<h2>Unsecured vs. secured business loan<\/h2>\n<p>Differences in brief:<\/p>\n<ul>\n<li><strong>Collateral:<\/strong> Unsecured doesn&#8217;t require any, secured requires property \/ business mortgage.<\/li>\n<li><strong>Loan amount:<\/strong> Unsecured \u20ac5,000 \u2013 \u20ac350,000. Secured can be \u20ac3 million.<\/li>\n<li><strong>Rate:<\/strong> Unsecured rates slightly higher (greater risk to lender).<\/li>\n<li><strong>Processing time:<\/strong> Unsecured decision same day, secured takes weeks.<\/li>\n<li><strong>Use:<\/strong> Unsecured always free-use, secured may be tied.<\/li>\n<\/ul>\n<h2>Benefits of unsecured business loans<\/h2>\n<ul>\n<li><strong>Fast processing<\/strong> \u2013 decision often the same day, money the next business day.<\/li>\n<li><strong>No collateral risk<\/strong> \u2013 you don&#8217;t lose property if the business fails.<\/li>\n<li><strong>Free purpose<\/strong> \u2013 use the money however you want.<\/li>\n<li><strong>Flexible terms<\/strong> \u2013 repayment period 6 months \u2013 5 years.<\/li>\n<li><strong>Completely online<\/strong> \u2013 no need to visit a bank.<\/li>\n<li><strong>Less paperwork<\/strong> \u2013 no financial statements or business plan often required.<\/li>\n<\/ul>\n<h2>Drawbacks of unsecured business loans<\/h2>\n<ul>\n<li><strong>Higher rate<\/strong> than secured loans (8\u201325% vs. 3\u20138%).<\/li>\n<li><strong>Smaller maximum amount<\/strong> \u2013 usually up to \u20ac350,000.<\/li>\n<li><strong>Stricter credit requirements<\/strong> for the company and responsible persons.<\/li>\n<li><strong>Shorter repayment period<\/strong> than bank loans.<\/li>\n<\/ul>\n<div class=\"lainafy-cta-block\">\n<h3>Compare business loans<\/h3>\n<p>Get a decision often the same day \u2013 completely without commitment.<\/p>\n<p><a href=\"\/yrityslaina\/?lang=en\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Compare business loans \u2192<\/a><\/p>\n<\/div>\n<h2>Who is an unsecured business loan good for?<\/h2>\n<p>Best suited when:<\/p>\n<ul>\n<li>You need financing quickly (acute cash flow need, seasonal inventory).<\/li>\n<li>You don&#8217;t want to pledge company or personal property.<\/li>\n<li>Loan amount is below \u20ac350,000.<\/li>\n<li>Your company has operated in Finland for at least 6 months.<\/li>\n<li>Annual revenue at least \u20ac40,000.<\/li>\n<li>You have regular income and clean <a href=\"\/?lang=en\/luottotiedot-ja-laina\/\">credit records<\/a>.<\/li>\n<\/ul>\n<h2>Conditions for unsecured business loans<\/h2>\n<p>Common requirements at Finnish lenders:<\/p>\n<ul>\n<li>Company registered in Finland, active Business ID.<\/li>\n<li>Operating for at least <strong>6 months<\/strong> (some 12 months).<\/li>\n<li>Annual revenue at least <strong>\u20ac40,000 \u2013 \u20ac200,000<\/strong>.<\/li>\n<li>Company owners reside in Finland.<\/li>\n<li>Finnish bank account.<\/li>\n<li>No significant payment defaults.<\/li>\n<\/ul>\n<h2>Where to get the best terms?<\/h2>\n<p>Unsecured business loan rates vary widely \u2013 typically <strong>8% \u2013 25%<\/strong> effective annual rate. Pricing depends on:<\/p>\n<ol>\n<li><strong>Company revenue and profitability<\/strong> \u2013 stronger = lower rate.<\/li>\n<li><strong>Industry<\/strong> \u2013 more stable industries get better terms.<\/li>\n<li><strong>Company age<\/strong> \u2013 longer history improves terms.<\/li>\n<li><strong>Credit records<\/strong> for both the company and responsible persons.<\/li>\n<li><strong>Cash flow analysis<\/strong> \u2013 monthly cash flow matters.<\/li>\n<\/ol>\n<h3>Tips for a lower rate<\/h3>\n<ul>\n<li><strong>Compare multiple lenders<\/strong> \u2013 difference can be several percentage points.<\/li>\n<li><strong>Apply at the right time<\/strong> \u2013 when company situation is good, not in cash flow crisis.<\/li>\n<li><strong>Provide accurate figures<\/strong> \u2013 current revenue, forecasts, cash flow.<\/li>\n<li><strong>Use shorter repayment period<\/strong> \u2013 if monthly installment fits the budget.<\/li>\n<\/ul>\n<div class=\"lainafy-cta-block\">\n<h3>Find the right financing for your business<\/h3>\n<p>Compare the best business loans on one page.<\/p>\n<p><a href=\"\/yrityslaina\/?lang=en\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start comparison \u2192<\/a><\/p>\n<\/div>\n<h2>Frequently asked questions<\/h2>\n<h3>Can a new company get an unsecured business loan?<\/h3>\n<p>Most lenders require 6\u201312 months of operation. Earliest-stage companies get loans harder \u2013 consider e.g. Business Finland grants or bank startup financing.<\/p>\n<h3>How quickly is the money in the account?<\/h3>\n<p>The decision often comes the same day, and money is transferred to the account within 1\u20132 banking days. For smaller amounts, money can be in account in hours.<\/p>\n<h3>Can I get unsecured loan with a payment default?<\/h3>\n<p>In practice no. Both company and responsible persons must have clean credit records. A payment default crashes chances of getting a loan.<\/p>\n<h3>Is a personal guarantor required?<\/h3>\n<p>Some unsecured loans require the company&#8217;s responsible person to sign a personal guarantee. This isn&#8217;t actual collateral but provides additional security. Most Finnish digital providers don&#8217;t require this.<\/p>\n<p><em>See also: <a href=\"\/?lang=en\/yritysrahoitus-vaihtoehdot\/\">Business financing options \u2013 business loan vs. factoring and leasing<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unsecured business loans don&#8217;t require pledged property or a guarantor. Read where to get one, the amount limits, and what it costs.<\/p>\n","protected":false},"author":1,"featured_media":361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yrityslainat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vakuudeton yrityslaina \u2013 Mist\u00e4 saat ja kenelle se sopii? - Lainafy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lainafy.com\/vakuudeton-yrityslaina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vakuudeton yrityslaina \u2013 Mist\u00e4 saat ja kenelle se sopii? - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Unsecured business loans don&#039;t require pledged property or a guarantor. 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