Secured Business Loans
Larger loans at better rates, secured against business assets
Borrow from £25,000 to £25m+ with competitive secured lending from 250+ lenders
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Need a larger loan?
Property-Secured Loans
Use commercial or residential property as security to access larger loan amounts at significantly lower interest rates than unsecured lending.
Asset-Secured Loans
Use business assets - machinery, vehicles, or equipment - as security to unlock working capital or fund further investment.
Debenture Loans
Provide a fixed or floating charge over your business as a whole, giving lenders security over all business assets without specifying a single asset.
Why businesses choose us
Flexible
Terms from 1 to 25 years depending on the security type and loan purpose.
Specialists
Expert advisers who structure secured lending across all asset classes.
Fast decisions
Credit decisions within 48 hours for straightforward applications.
Tailored solutions
We structure security and repayment terms to protect your business.
Finance by Industry
Access funding for machinery, equipment upgrades, stock finance and operational cash flow.
See Manufacturing finance options →Secured Business Loan FAQs
A secured business loan is backed by an asset (property, equipment, or another business asset) which acts as collateral. This reduces lender risk and typically results in lower interest rates.
Secured Business Loans across the UK
Spark Finance arranges secured business loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
London
South East
East of England
South West
Midlands
North West
Yorkshire
North East
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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