Use your assets, secure better terms
A secured business loan allows you to borrow against the value of assets your business already owns, such as property, equipment, or vehicles. Because the lender holds security, you gain access to higher funding amounts, lower interest rates, and longer repayment terms than unsecured alternatives.
This makes secured finance ideal for businesses planning significant investment, whether that's expanding into new premises, purchasing high-value equipment, or consolidating existing debt on better terms.
Accepted asset types
- Commercial or residential property
- Vehicles and fleet assets
- Equipment, plant, and machinery
- Inventory and stock
- Accounts receivable (select lenders)
- Personal assets via personal guarantee
Advantages
- Borrow £10,000 to £10,000,000, significantly more than unsecured options
- Lower interest rates thanks to reduced lender risk
- Terms up to 10 years for manageable monthly repayments
- All credit profiles accepted, your asset provides the security
- Start-ups and new businesses welcome with sufficient collateral
Considerations
- Your asset is at risk if repayments aren't maintained
- A personal guarantee may be required for limited companies
- Longer terms mean more total interest paid over the life of the loan
- Valuation and legal fees apply alongside the loan arrangement
Key benefits
Higher borrowing limits
Access significantly more capital than unsecured alternatives, up to £10,000,000 depending on the value of your security.
Lower interest rates
Secured loans carry reduced risk for lenders, which translates into more competitive rates and lower monthly costs for your business.
Extended repayment terms
Spread repayments over up to 10 years, reducing monthly pressure and freeing up cash flow for operations.
All credit profiles
Because the loan is backed by an asset, lenders focus on the security value rather than credit score alone.
Start-ups accepted
New businesses with valuable assets can access secured funding even without an established trading history.
Multiple asset types
Property, vehicles, equipment, inventory, lenders accept a wide range of business and personal assets as security.
Important: A secured business loan is backed by your assets. Think carefully before securing debts against your property or equipment. Failure to meet repayment terms could result in the repossession of the secured asset.
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Business loan calculator
Estimate your monthly repayments and total cost over the term. Guide tool only.
£50,000
36 months
Illustrative only, not a quote.
Interest calculated on a reducing balance.
Cost breakdown
Monthly cost
£1,625.12
Total interest
£8,504.40
Total fees
£500.00
Total repayable over 36 months
£59,004.40
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
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