A secured loan is a type of finance backed by an asset, usually property, which helps reduce lender risk. This often allows borrowers to access larger loan amounts or benefit from lower interest rates compared to unsecured loans. While interest rates are generally lower, secured loans may come with arrangement fees, valuation costs for the asset, and early repayment charges if the loan is settled before the agreed term.
To qualify for a secured business loan, lenders usually require your business to have a trading history (often 6 – 12+ months), consistent revenue, and a valuable asset to offer as collateral, such as property, vehicles, or equipment. These loans are ideal for businesses looking to borrow larger amounts with more favourable terms.
Secured business loans typically range from £25,000 to £2 million or more, depending on the value of your asset and your business's financial health. Because the loan is backed by collateral, lenders are often more flexible with higher amounts.
While secured loans can take slightly longer than unsecured ones due to asset valuation, many lenders still offer fast approval, often within 48 to 72 hours. Funding can follow shortly after, especially if you have the required documents and collateral ready.
You can use a secured loan for almost any business purpose, from expanding premises to purchasing major equipment, refinancing existing debt, or boosting working capital. The security you offer opens up access to bigger borrowing for strategic investments.
Secured business loans generally offer lower interest rates than unsecured options, often starting around 3% APR and going up depending on the risk, asset, and lender. Repayment terms can range from 1 to 10 years, with fixed or variable rate options available.
Complete our quick online form with a few details about your business and what you need funding for. No commitment, no jargon.
A dedicated finance expert will get in touch to understand your needs and tailor options that work for your business.
We’ll match you with trusted lenders from our panel, offering competitive rates and flexible terms suited to your sector.
Review your finance offers with full transparency. We’ll guide you through the details so you can make a confident decision.
Once approved, your funds are released quickly — often within 24–48 hours — so you can get back to growing your business.
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Assets such as property, machinery, vehicles, or inventory can be used, depending on the lender's criteria. Typically this type of finance is backed by property.
Loan amounts depend on the value of the collateral and your financial profile, often ranging from tens of thousands to millions.
The lender may repossess the pledged asset to recover the loan amount. Should you have more than one property, it is preferable to utilise a property you don't live in.
Yes, if they have eligible assets and a solid repayment plan.
It typically takes 1-4 weeks, depending on the asset valuation and lender approval process.
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"Secured loans unlock larger amounts of funding by using a property (and in some cases other) assets as collateral. This reduces risk for lenders and allows borrowers to benefit from lower interest rates, making it a cost-effective way to finance growth or other substantial investments."
