FloraFinance is a reputed direct lender that provides a lot of short-term loans across the UK. The processing speed is so fast that the loans provided by these lenders are called 15-minute loans. You will get approval if you prove that you can repay the debt. In case of unemployment, you will need income sources like rental income, unemployment benefits, and freelancing. Despite a bad credit score, you cn get approval for these loans to fund the gap.