Secured business loans for larger funding requirements
Where property or other suitable assets can be offered as security, lenders may consider larger amounts and longer terms. Soft-search eligibility check — no impact on your credit score at that stage.
Business funding made simpler
- £25,000 – £5,000,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 48 hours
- Soft-search eligibility check
At a glance
About Secured Business Loans
A secured business loan is business borrowing supported by security — most commonly commercial or residential property, though some lenders will consider other suitable business or personal assets. Because the lender holds security, larger funding requirements and longer repayment terms can often be considered than on an unsecured basis, although eligibility, pricing, security requirements and terms always vary by lender and by case. Apex Loans is an FCA-regulated credit broker, not a lender: we assess your requirement and approach the lenders on our panel of over 300 UK funders most likely to consider it. Property or assets offered as security may be at risk if repayments are not maintained.
How does a business loan work?
From first enquiry to funding, here is what the process usually looks like.
- 1
Tell us what you need
Share the funding requirement, the purpose and details of the security available.
- 2
We assess your options
We review the case and identify lenders on our panel likely to consider secured lending of this type.
- 3
Review available terms
Where suitable, we present relevant options, including the security each lender would require.
- 4
Valuation and legals
Secured lending usually involves a valuation of the security and legal work to register a charge.
- 5
Completion
Once the lender's conditions are satisfied and documentation is complete, funds are released.
What will I need to apply?
Requirements vary by lender, but having the following information available can help keep the process moving.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
Supports larger requirements
Security can allow lenders to consider amounts beyond typical unsecured limits.
Longer terms considered
Repayment periods can often be spread over a longer horizon, subject to lender criteria.
Range of acceptable security
Property is most common, though some lenders consider other suitable business or personal assets.
Whole-of-panel search
One enquiry, reviewed against our panel of 300+ UK lenders.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK-registered limited company, LLP or sole trader
- Suitable property or asset available as security
- Established trading history, typically 12+ months
- Affordability evidenced by accounts and bank statements
- Security holders willing to take independent legal advice where required
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore secured business loans?
Check eligibility in around 60 seconds with no impact on your credit score.