Larger facilities, structured against the balance sheet.
Asset-backed term lending for established UK businesses. Pricing reflects the security position; structure reflects how the capital will actually be deployed.
Secured business loans are right where the asset position is strong and the capital case warrants the additional structuring. Pricing typically improves materially against an equivalent unsecured facility.
We work with directors and owners on first-charge and second-charge structures over commercial property, residential investment property and plant. Indicative terms returned within hours; completion in two to four weeks subject to valuation.
Best suited for
- Acquisition, refinance or buy-out
- Capital expenditure against fixed assets
- Refinancing more expensive existing debt
- Larger facilities than unsecured supports
How it works
Indicative terms
Tell us the asset, the amount and the purpose. Indicative structure within hours.
Valuation and DD
We instruct valuation and legal. You stay informed at every step.
Completion
Funds drawn on completion; typically two to four weeks end to end.
Eligibility at a glance
A short list of what we typically look for. Most UK limited companies and partnerships qualify.
- UK-registered limited company or LLP
- Trading for at least 12 months
- Suitable asset to secure against
- A UK business bank account
- Director ID and recent financials
- No active formal insolvency proceedings
Built on the same controls you’d expect from your bank.
We hold ourselves to the standards UK regulators expect of consumer finance, even though commercial lending sits outside the FCA perimeter.
Data controller no. ZB984210. Handled to UK GDPR standard.
Bank-grade transport security on every page and submission.
Read-only access via FCA-authorised providers. Revoke any time.
Funds flow through ring-fenced UK banking facilities.
Eligibility checks leave no footprint on your credit file.
No exit penalties on most products. Costs disclosed up front.
Frequently asked
What assets can secure the loan?
Commercial property, residential investment property, plant and equipment, and in certain cases inventory or receivables. We consider charge type case-by-case.
Do I need a clean credit file?
Where strong security is offered, credit history carries less weight. Files that would not qualify on an unsecured basis frequently qualify when secured.
What loan-to-value will you lend at?
LTV depends on asset type and condition. Commercial and residential property typically lends to 65–75% LTV; equipment varies by class and age.
How quickly can a secured facility complete?
Indicative terms within hours. Completion timing depends on valuation and legal work, typically two to four weeks.
Ready to see what you qualify for?
It takes two minutes and there’s no impact on your credit score.
Start eligibility check