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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Selina Finance Secured Loans
- Check your eligibility without affecting your credit rating
- Apply in 30 seconds - offer within 15 minutes
- Competitive rates – no fees or early repayment charges
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Minimum Turnover
£30,000 p.a.
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Available Amounts
£25,000 to £1,000,000
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Available Terms
6 months to 30 years
Company details
- Specialist digital lender offering secured business loans and flexible credit lines
- Apply online and get a personalised loan offer in just 15 minutes
- No fees or early repayment charges
Eligibility criteria
- Secured property must be residential and have an active mortgage
- Residential property must have a value of more than £50,000
- Homeowner must be based in England, Wales, Scotland or Northern Ireland
- Maximum CLTV (Cumulative Loan to Value) of 70%
- Credit Score: 720+
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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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Funding Circle
- Borrow £50,001 to £500,000 with the Government's CBIL scheme
- Nothing to pay until 2022 - No upfront fees - No early settlement fees
- Simple online application & decisions in as little as 5 hours
- Rates between 1.8% and 7.4% APR
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Minimum Turnover
£200,000+ p.a.
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Available Amounts
£50,001 to £500,000
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Available Terms
2 to 5 years
Company details
- Funding Circle, supporting small businesses for over 10 years
- Used by over 57,000 UK businesses
- All Funding Circle do is small business, as a result 9 out of 10 of their businesses would come back first next time
Eligibility criteria
- UK-based business - 3 years of trading history - Adversely affected by coronavirus
- Loan primarily for trading in the UK
- Annual turnover from £200K+ up to £45 million - Over 50% of turnover from trading activity (e.g. not from investments)
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Swoop Funding
- Simple, secure and speedy access to over 1,000 funding providers without affecting your credit rating
- Experts in CBILS – borrow from £50k to £250k with no personal guarantee, no fees, no repayment for 12 months, no early settlement fee
- Speak to Swoop's team of experts – five-star Trustpilot rated
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Minimum Turnover
£50,000 p.a.
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Available Amounts
£1,000 to £10,000,000
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Available Terms
3 months to 6 years
Company details
Eligibility criteria
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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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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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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 CBILS specialist 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 CBILS specialist 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 CBILS specialist 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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365 Business Finance
- A flexible business funding alternative
- Cash advanced against card transactions
- Pay back an affordable % of your card transactions
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Minimum Turnover
£5,000+ card transactions per month
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Available Amounts
£5,000 to £200,000
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Available Terms
4 to 18 months
Company details
- Get between £5,000 and £200,000
- Pay back through your customer card transactions
- A single all inclusive charge that never changes
- No interest, APRs or hidden extras
Eligibility criteria
- Your business must have been trading for at least 6 months
- Your business must accept debit and credit card payments
- Your business must take at least £5,000 per month in card transactions.
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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365 Business Finance Business Loans
Merchant cash advance provider offering unsecured finance to small and medium size businesses that accept credit/debit card payments.
Read more -
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.
Read more -
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.
Read more -
Funding Circle Business Loans
Commercial peer-to-peer platform that connect businesses in need of funding to willing investors.
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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.
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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.
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Selina Finance Business Loans
Flexible credit lines products, available for a number of commercial uses, secured against the borrower’s personal property.
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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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