Secured Business Loans
A secured business loan is financing where business or personal assets, such as property, equipment, or inventory as collateral. If you default, the lender has the right to seize and sell the asset to recover the loan. This reduces lender risk, enabling lower interest rates, higher loan amounts, and longer repayment terms than unsecured alternatives.
Unsecured Loan
Tax Loan
Secured Loan
Debt Consolidation
Asset Finance
Acquisition Loan
Apex Loans
Why Choose a Secured Business Loan?
Lower interest rates
Collateral reduces lender risk, resulting in lower rates than unsecured loans
Access higher loan amounts
Borrow up to the full value of your collateral on offer as security
Longer repayment terms
Spread payments over 5–25 years, capital and interest repayments or interest only
Easier approval
Suitable for businesses with limited or poor credit history; collateral provides repayment assurance
Typical Features & Terms
Collateral | Property, equipment, vehicles & inventory |
Loan Amounts | £5,000 – multi-million pound, depending on collateral value |
Interest Rates | Typically lower than unsecured |
Repayment Terms | 5–25 years; flexible to match cash flow |
Eligibility | Asset value, trading history, turnover, credit score |
Upfront Costs | Valuation, legal fees, arrangement fees |
Pros & Cons
Pros
- Affordable borrowing – low rates and long terms reduce monthly cost
- Larger funding – suitable for major investments like property or equipment
- Accessible – collateral can help with approval even if credit is patchy .
Cons
- Asset risk – lenders can seize collateral on default
- Lengthy process – valuations and legal work can take weeks to months
- Upfront & ongoing fees – valuation, legal charges, insurance
Is It Right for My Business?
Ideal for businesses that:
- Own valuable business or personal assets
- Need significant long-term investment
- Want lower rate financing and can manage legal complexities
Less suitable if:
- You lack valuable assets
- You need quick funds without tying up collateral
- You can manage with smaller, short-term unsecured loans
Application Tips
- Valuation readiness – ensure asset documentation is current
- Credit & trading history – strengthen where needed
- Understand charges – know if legal/equitable charges will be made
- Compare quotes – interest, term length, fees, and flexibility
- Plan for default – be clear on risks and repossession terms
Applying for a small business loan with us is straightforward:
Assess Your Needs
Determine the amount you need and the purpose of the loan.
Check Eligibility
Ensure your business meets the basic criteria.
Prepare Documentation
Gather necessary documents such as business bank statements, financial statements, and a business plan.
Submit Application
Complete our online application form or contact our team for assistance.
Feel free to use our Business Loan Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice. It does not take into account your personal or financial circumstances.
Our tailored and transparent process is designed to make your loan search and selection as seamless as possible
Submit Your Enquiry
Simply complete our short online form with your details and funding needs to begin your search for business finance.
Expert Consultation
Our expert will contact you to understand your requirements to match you with suitable lenders and products.
Get Your Offers
We connect you with trusted lenders and provide free quotes. Choose the best option, and we’ll handle the application.
Get Funded!
Once approved, receive your funds and start invest in your business growth and scale with confidence and ease.
Secure Your Business Future Today
A secured business loan can be a powerful tool for substantial investment with lower cost financing, but it requires careful planning and asset management. Compare offers, evaluate risk, and choose a provider that aligns with your business goals.
- Secure your business now with our help
Get Answers to Your Most Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers about secured business loans in the UK.
Will I need a personal guarantee?
Often yes, expected by many lenders even when assets are pledged.
How long does approval take?
Typically 1–8 weeks due to valuations and legal formalities .
What assets can I use?
Tangible (property, plant, stock) and intangible (patents, IP), depends on lender .
What happens if I default?
Lender may repossess and sell assets
Can startups get secured loans?
Yes,if you have valuable assets and solid forecasts, even newer companies can qualify.
Ready to Apply?
- Assess your requirements and choose an estimated loan amount.
- Collect documentation, bank statements, financials, and projections.
- Request quotes from 2–3 lenders or via a broker.
- Compare offers on rate, term, APR, fees, and guarantees.
- Apply and receive funds, often within days.
Need help selecting a lender or understanding loan terms? Our finance specialists are here to support you every step.