SECURED BUSINESS LOANS
What are they?
Secured business loans require an asset such as property, equipment, or stock as security.
Using collateral can help businesses access larger loan amounts.
It may also lead to lower rates or longer repayment terms.
If repayments are not maintained, the lender may recover the secured asset.
SIMPLE AND STRAIGHTFORWARD
How it works
Complete our online form
Tell us a few basics about your business, your financial performance, and what you need funding for.
Provide your collateral details
Share details of the asset you're offering as security — such as property valuations or equipment appraisals.
We match you with lenders
We search our panel of 50+ lenders to find a secured loan with the right rate and terms for your business.
Receive your funds
Accept your offer and receive funds — some lenders offer same-day funding, others may take a little longer.
FUNDING BUILT FOR GROWTH
Benefits of Secured Finance
Lower interest rates
Because the loan is secured against an asset, lenders take on less risk — meaning you typically benefit from more competitive rates than unsecured borrowing.
Access higher loan amounts
Secured loans unlock larger funding than unsecured alternatives — making them ideal for significant investment, expansion, or major asset purchases.
Longer repayment terms
Spread repayments over a longer period to reduce monthly outgoings and give your business greater breathing room to manage cash flow.
Greater flexibility to meet your needs
With more lenders willing to lend larger amounts at lower rates, you have more options to structure a loan that truly fits your business goals.
Accessible with a wider range of credit profiles
The security of collateral means lenders can be more flexible on credit history — opening up options for businesses that may not qualify for unsecured borrowing.
50+ lenders searched for you
We search across our entire panel to find a secured loan with the most competitive rate and terms for your specific situation — with no obligation to proceed.
SECURED BUSINESS LOANS ELIGIBILITY
Eligibility criteria
- UK registered business
- Asset to offer as security — such as property, equipment, or inventory
- Strong credit history preferred — though lenders are more flexible with secured loans
- Financial statements may be required depending on loan size
Eligibility criteria vary by lender. We'll help you understand exactly what each lender needs and ensure your application is as strong as possible — with no impact on your credit score to apply.
Rates & terms
Interest rates vary depending on the Bank of England Base Rate, the lender, and your business profile. The asset used as security may be repossessed if you do not keep up repayments. Subject to status and affordability.