Compare Secured Business Loans
- Secured loans are available to a wide range of commercial borrowers
- This type of loan is secured against an asset owned by the borrower's business
- Below you can compare secured loan offerings from some of the UK’s leading business finance providers
Choose your business loan type
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Funding Xchange Secured Business Loans
- Discover instant & personalised Secured Loan offers in just 3 minutes
- Borrow against your company's assets and get the capital your business needs
- One search compares Secured with Unsecured lending solutions to find the best for you
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Minimum Turnover
£100,000 p.a.
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Available Amounts
£25,000 to £5,000,000
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Available Terms
6 months to 25 years
Company details
- Funding Xchange’s free service matches your eligibility against over 50 lenders in seconds
- Complete your application online in as little as 3 minutes and you could get funded in a few hours
- It's simple, safe and free and the search won’t affect your credit rating
Eligibility criteria
- Your business must have been trading for a minimum of 2 years
- Your business must have an annual turnover of at least £100,000
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Newable Secured Loans
- Same day decision
- Secured loans for any purpose
- Adverse credit considered
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Minimum Turnover
£250,000 p.a.
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Available Amounts
£100,000 to £20,000,000
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Available Terms
3 months to 25 years
Company details
- Newable Finance is an FCA regulated commercial finance broker with access to 200+ lenders
- Your application will be managed by an experienced advisor, specialising in fast approvals
- No broker fees and no commitment
Eligibility criteria
- Must have been trading for at least 12 months
- All sectors covered
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Swoop Funding Secured Business Loans
- Use business assets including property, vehicles, machinery, debtors etc. to secure flexible funding for your business
- Can be used for any business reason
- Competitive rates compared to unsecured finance options
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£20,000 to £2,000,000
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Available Terms
2 months to 10 years
Company details
- Simple, secure and speedy search of 1,000 funding providers without affecting your credit rating
- Free access every type of finance including the Recovery Loan Scheme
- Speak to Swoop’s team of five-star Trustpilot rated experts
Eligibility criteria
- Must be based in the UK
- Must have an annual turnover of £50,000+
- Must have been trading for 12 months or more
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THINK Business Loans
- Find the right loan to suit your needs from a range of finance types
- Check your eligibility without a credit check
- Dedicated FCA regulated experts on hand to support your application
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Minimum Turnover
£100,000 p.a.
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Available Amounts
£50,000 to £10,000,000
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Available Terms
1 to 10 years
Company details
- Find the right loan to suit your needs from a range of finance types
- Check your eligibility without a credit check
- Dedicated FCA regulated experts on hand to support your application
Eligibility criteria
- Find the right loan to suit your needs from a range of finance types
- Check your eligibility without a credit check
- Dedicated FCA regulated experts on hand to support your application
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EJ Finance
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
1 months to 10 years
Company details
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
Eligibility criteria
- Application-to-offer within 24 hours
- To be contacted within 3 minutes of applying
- Access to over 200+ lenders, covering all sectors
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Ignite
- Specialist provider of mutlidrawdown credit facilities
- Unsecured, flexible funding available for small businesses
- Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£3,000 to £500,000
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Available Terms
3 months to 10 years
Company details
- Specialist provider of mutlidrawdown credit facilities
- Unsecured, flexible funding available for small businesses
- Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved
Eligibility criteria
- Specialist provider of mutlidrawdown credit facilities
- Unsecured, flexible funding available for small businesses
- Simple registration process - get a decision within 2-4 hours, and funding within 24 hours if approved
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Fluidly
- Instantly see funding products your business is eligible for, from across the market (no credit checks)
- A dedicated 5-star rated Funding Specialist on hand to support your application end-to-end (no hidden fees)
- Range of products available including CBILS, unsecured loans and asset financing
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Minimum Turnover
£100,000 p.a.
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Available Amounts
£50,000 to £10,000,000
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Available Terms
1 to 10 years
Company details
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
Eligibility criteria
- Hassle free funding options within 30 seconds
- Team of 5-star rated Funding Specialists are on hand to support your application
- A range of products available including CBILS, unsecured and asset financing
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Lombard
- Lombard offers a comprehensive range of asset finance solutions
- A simple finance solution with a credit decision in 24 hours for transactions up to £150,000
- Security, guarantees or indemnities may be required. Product fees may apply. Finance is subject to status and is only available for business purposes
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Minimum Turnover
No minimum
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Available Amounts
Up to £150,000
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Available Terms
1 to 7 years
Company details
- Lombard is one of the UK’s oldest and largest asset finance partners
- They have helped thousands of businesses invest in their future’s every day
- Lombard have won Best Leasing and Asset Finance Provider at the Business MoneyFacts Awards every year from 2009 to 2018
Eligibility criteria
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Fleximize
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Rates from 0.9% per month (10.8% per annum), with no additional fees
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£5,000 to £500,000
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Available Terms
3 months to 4 years
Company details
- Voted "Best Business Finance Provider" at the British Bank Awards 2020
- Industry-leading flexibility - top-ups, repayment holidays, no hidden fees
- Interest charged on a reducing balance, repay early and only pay for the time you had the loan
- Apply online in minutes, receive funds in as little as 24 hours.
Eligibility criteria
- Minimum annual turnover of £60,000 p.a.
- Borrow between £5,000 and £500,000
- Business activities must be UK-based and impacted by Covid-19
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iwoca
- Flexible Credit Facilities of £1,000 to £200,000 for Limited Companies
- No fees or long term commitments
- Apply online in minutes for a decision (some decisions may take up to 24 hours)
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£1,000 to £200,000
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Available Terms
up to 12 months
Company details
- Flexible Credit Facilities of £1,000 to £200,000 for Limited Companies
- No fees or long term commitments
- Apply online in minutes for a decision (some decisions may take up to 24 hours)
Eligibility criteria
- Flexible Credit Facilities of £1,000 to £200,000 for Limited Companies
- No fees or long term commitments
- Apply online in minutes for a decision (some decisions may take up to 24 hours)
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Portman Asset Finance
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated Recovery Loan Scheme account managers
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Minimum Turnover
£150,000+ p.a.
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Available Amounts
£10,000 to £10,000,000
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Available Terms
Up to 5 years
Company details
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated Recovery Loan Scheme account managers
Eligibility criteria
- Business finance broker with specialist sector experience to offer fast and flexible finance solutions
- Access over 40 leading UK business finance providers
- Dedicated Recovery Loan Scheme account managers
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Nucleus
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
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Minimum Turnover
£60,000 p.a.
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Available Amounts
£3,000 to £50,000,000
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Available Terms
3 months to 8 years
Company details
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
Eligibility criteria
- Fast service - receive your funding in 24 hours
- Unsecured and secured business loans
- 7 products tailored to your business
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Start Up Loans (British Business Bank)
- Interest rate of fixed 6% per annum
- Receive business mentoring and support after drawing down your loan
- No application fees or early repayment fees
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Minimum Turnover
No minimum
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Available Amounts
£500 to £25,000
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Available Terms
1 to 5 years
Company details
- Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
- Start Up Loans have helped over 40,000 businesses get started in the UK
- Free application support
- Free post-loan business mentoring
Eligibility criteria
- Business is based in the UK
- Trading for under 24 months
- 18 years and over
Suppliers that don't offer Secured Business Loans but may offer suitable alternatives:
Also for Business
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Business Secured Loans FAQ
What is a secured business loan?
A business loan is a term used to describe a variety of different types of financial lending, usually with the goal of helping a company establish itself or grow. Like personal loans, business loans can be either secured or unsecured.
A secured business loan is so named because the funds are 'secured' against a significant asset already owned by the business. The lender will be entitled to claim ownership of this asset if the borrower defaults on the loan repayments.
Is a business secured loan similar to a personal secured loan?
The principle of a business secured loan is similar to a personal secured loan, such as a mortgage. The lender provides you with a sum of money, to be paid back over a pre-agreed time period, at a set or variable interest rate.
However, the types of secured business loans available are more diverse than those available for personal loans. This is to meet the diverse requirements of businesses.
What are the benefits of a secured business loan?
Secured business loans provide companies with significant amounts of capital to help them get off the ground or implement ambitious growth strategies they would not be able to do using their cash flow alone.
Secured business loans represent a lower risk to the lender thanks to the security of the borrower's asset ? whether it's property or machinery. This means they are suitable for businesses looking to borrow larger sums of money as banks and lenders are generally more open to lending more.
The interest on a secured loan is also often lower than that of an unsecured loan, again, because the risk to the lender is reduced.
Will my company be approved for a secured business loan?
Lenders are generally more open to offering secured business loans rather than unsecured business loans because the value of your secured asset reduces their risk if you default on your repayments.
There is no guarantee that your company will be approved, however, and you can expect to go through a number of stringent checks for any application. These will include close analysis of your business's history and credit score, as well as a detailed look at your current and future business goals.
What happens if I miss a repayment on my secured business loan?
The ultimate risk of missing repayments on your secured business loan is the repossession of your asset or assets. If you foresee this happening, speak to your lender as soon as possible to see if there is any possibility of redistributing your repayments.
Are there any alternatives to a secured business loan?
If you are unwilling to use company assets as security or you just don't need to borrow a large sum of money, there are various alternatives to a secured business loan. Unsecured business loans, credit cards, credit lines and business overdrafts also offer other options when borrowing smaller sums.
Featured articles
Featured brands
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B2Bfinance.com Business Loans
B2Bfinance.com is a commercial finance brokerage, established in 2005, that covers a wide range of product types and lenders.
Read more -
EJ Finance Business Loans
Broker offering access to over 200 lenders, covering all sectors and business types.
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Fleximize Business Loans
Flexible business loans with secured and unsecured borrowing options and dedicated support for customers.
Read more -
Fluidly Business Loans
Tailored funding on a range of commercial finance products for all types of business.
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Funding Hut Business Loans
FCA-authorised broker offering a range of finance types and a quick application process.
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Funding Xchange Business Loans
Funding Xchange is a commercial finance broker that covers various types of business loan products for all sorts of commercial organisation.
Read more -
Ignite Business Loans
A specialist provider of mutlidrawdown credit facilities for small businesses.
Read more -
iwoca Business Loans
Flexible funding to help with business cash flow in the form of straightforward lines of credit.
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Lombard Business Loans
Asset finance specialist, now a subsidiary of RBS, that provides several funding solutions to businesses across various sectors.
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Newable Commercial Finance
FCA-regulated commercial finance broker with access to 200+ lenders.
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Nucleus Business Loans
Launched in 2011, Nucleus Commercial Finance is a specialist business lender that offers a range of loan types from asset funding to property finance.
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Portman Asset Finance Business Loans
Business finance broker with specialist sector experience to offer fast and flexible finance solutions.
Read more -
The Start Up Loans Company (British Business Bank)
A subsidiary of the British Business Bank, the Start Up Loans Company was created to provide funding for new businesses.
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Swoop Funding Business Loans
Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating.
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THINK Business Loans
Commercial loans broker using a tech-based approach to match potential borrowers to a wide range of lenders.
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