Finance question
How much can a business borrow without security?
It is typically tied to your turnover rather than a flat cap. Without property or an asset pledged, lenders size an unsecured facility to how much revenue your business runs through, so stronger, steadier turnover supports a larger limit. Ventas sizes it to your revenue across its lender panel, subject to lender assessment.
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The short answer
Your turnover sets the ceiling
There is no single number for unsecured borrowing, because the limit is driven by your revenue rather than a fixed maximum. When there is no property or asset behind the loan, the lender's comfort comes from watching money move through the business. The more consistent and healthy that turnover, the larger the facility it can support.
Steadiness matters as much as size. A business with regular monthly revenue and clean banking usually supports a higher unsecured limit than one with the same annual figure delivered in a few lumpy spikes. Lenders want to see that the repayments fit comfortably inside the normal rhythm of your cashflow, not that they depend on a good month landing at the right time.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We read your bank statements and trading history, work out what your revenue can comfortably carry, then match you to the lender most likely to support that limit. We size it to your revenue and never promise a figure before the lender has assessed it.
What sets your limit
The inputs that size an unsecured facility.
Turnover
The revenue running through the business.
Consistency
Steady monthly income supports a higher limit than lumpy spikes.
Trading history
How long and how cleanly the business has traded.
Cashflow headroom
Repayments the normal rhythm can comfortably carry.
Why it scales with revenue, not a fixed cap
Revenue is the security
With no asset pledged, your turnover is what the lender leans on.
Steadier means larger
Consistent income supports a bigger limit than the same figure in spikes.
Matched to the panel
Different lenders size differently, so the right match lifts your options.
A real example
A consultancy with steady monthly billings and clean banking wants working capital without pledging the director's home. Because the turnover is consistent and the repayments sit well inside the monthly rhythm, an unsecured facility is sized to that revenue rather than a flat cap. The steadiness, not just the annual total, is what lifted the limit. Illustrative only.
Common questions
Frequently asked questions
Is there a maximum without security?
There is no flat cap. The limit is tied to your turnover, so it scales with revenue rather than a fixed number.
Does steady income really matter?
Yes. Consistent monthly revenue usually supports a higher unsecured limit than the same annual figure delivered in spikes.
Can I borrow more if I offer security?
Generally yes. Pledging property or an asset moves you into secured lending, which reaches higher limits at lower rates.
How do you work out my number?
We read your bank statements and trading history, then size the facility to what your cashflow can comfortably carry, subject to lender assessment.