Secured Business Loans

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.

£50k – £5M

Funding range

3 – 24 mo

Repayment terms

Property / Plant

Security types

Quick estimate

See an indicative repayment

How much do you need?

Over how long?

Indicative monthly repayment

£4,500 to £5,625

Illustration only, based on a range of typical total costs. Actual pricing depends on trading history, sector, term, amount and credit profile, and differs between providers.

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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.

First-charge and second-charge structures may be available over eligible commercial property, residential investment property and plant. Timing depends on valuation, legal work, verification and written terms.

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

Initial review

Share the asset, amount, purpose and proposed repayment route.

Valuation and checks

The process may include valuation, legal work, identity checks and financial review.

Completion

Funds are drawn after all conditions in the written offer have been met.

Eligibility at a glance

A short list of the information commonly considered. Eligibility and available terms depend on the individual business and facility.

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

How we handle your enquiry

Careful with your data, clear about your terms.

Commercial lending sits outside the FCA perimeter, so the protections of a regulated agreement do not apply. We set out how we work so you can judge it for yourself.

UK GDPR standards

Your data is used to assess your enquiry, never sold or passed on for third party marketing.

Encrypted in transit

Every page and every submission is served over TLS.

Open Banking, read only

Where used, access is read only through FCA authorised providers and can be revoked at any time.

Business borrowers only

Finance for UK registered businesses and business purposes, not consumer credit.

Searches explained

The initial form is an enquiry. If a credit search is needed later, its type and impact will be explained first.

Plain-English terms

Total repayable, term, fees and any security stated in writing before you sign.

Why 'secured' materially changes the price of capital

Adding security to a loan reduces the lender's downside if the borrower defaults, and the pricing reflects that directly. A secured business loan against commercial or residential investment property typically prices 4–10 percentage points below the equivalent unsecured facility, and can lend 3–5x the amount.

The right question is not 'unsecured vs secured' in the abstract, it is whether the improvement in rate and quantum justifies the two to four weeks of valuation and legal work that a security package requires.

First charge vs second charge, in plain English

A first charge means our loan is the primary claim against the asset, usually the case when there is no existing mortgage or when we refinance the existing lender. Rates are keenest at first charge and LTV can run to 70–75% on commercial property.

A second charge sits behind an existing mortgage. It is faster to complete (no need to redeem the first lender) but priced higher because we recover only after the first charge is settled in a downside. LTV combined across both charges is typically capped at 75%.

What we can secure against

Commercial property (offices, industrial, retail), residential investment property (BTL and portfolios), plant and machinery, and in specific cases stock or receivables through a debenture. We do not typically lend against the director's primary residence.

Valuations are instructed to a RICS Red Book standard, and legal work is handled by dual-representing solicitors on our panel to keep timelines predictable.

Secured vs unsecured, a like-for-like view

Feature	Secured	Unsecured
Typical rate	7–14% APR	12–24% APR
Amount range	£50k – £5M	£5k – £250k
Term	3–24 months (up to 60 on some assets)	1–24 months
Time to complete	2–4 weeks	24 hours
Valuation required	Yes	No
Best for	Larger, planned capital	Speed and flexibility

A representative example

Amount borrowed: £750,000
Security: Commercial property, 60% LTV
Term: 24 months
Representative APR: 9.9%
Monthly repayment: £34,610
Total cost of credit: £80,635

Illustrative only. Rate depends on asset class, LTV, term, and covenant profile.

Explore by need

What do you need funding for?

Bridge a cash flow gap

Cover a quiet month or a slow paying customer.

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Pay a VAT or tax bill

Spread a large HMRC bill over a set term.

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Buy stock or equipment

Spread the cost of a known purchase.

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Card takings business

Repayments that follow your card sales.

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Grow online revenue

Funding linked to monthly revenue.

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Expand or hire

Fixed monthly repayments over a set term.

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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?

Timing depends on the asset, valuation, legal work, information supplied and the parties involved. Ask for a realistic timetable for your specific file.