Secured Business Loans | Asset-Backed Finance | £5,000 – £500,000+
When your business is ready for its next major evolution, you need capital that reflects your stability. Secured business loans allow you to use your company's assets—such as commercial property, land, or high-value machinery—to unlock significantly lower interest rates and larger funding amounts than a standard unsecured loan. We connect UK Limited Companies with over 100 specialist lenders to secure funding from £5,000 into the millions. Our service is free to apply with no upfront fees, giving you the expert guidance needed to leverage your assets and fuel your long-term vision.
As an FCA-authorised broker, we arrange independent RICS valuations and use Open Banking verification to streamline your secured lending application — giving you expert guidance at every step.
How UK Businesses Use Secured Loans to Scale
Three of the most common ways our clients leverage their assets for growth capital.
Funding for Commercial Property & Land Acquisition
Moving from renting to owning. Use a secured loan to purchase your own warehouse, office space, or retail unit, turning a monthly rent expense into a long-term property asset that builds equity for your business. With LTV ratios of up to 75% available, and terms stretching to 25 years, monthly repayments are often comparable to — or even lower than — commercial rent.
Management Buy-Outs (MBO) & Business Acquisitions
When you're ready to buy out a competitor or the current management team is taking over. These are complex deals that require the high-lending ceilings and lower rates that only a secured loan can provide. MBOs and business acquisitions often involve a blend of secured debt, vendor finance, and working capital — our brokers help structure the full deal, not just one element.
Major Debt Consolidation & Structural Refinancing
If a business has multiple high-interest short-term debts — MCAs, unsecured loans, credit cards — a single secured loan can 'wrap them up' into one manageable monthly payment at a much lower rate, instantly improving monthly cash flow. This is one of the most effective ways to reset a business's financial health and reduce total interest costs significantly.
What You Need to Know Before Applying
The "LTV" (Loan to Value) Sweet Spot
Lenders typically look at the 'Loan to Value' (LTV) ratio. For commercial property, they'll usually lend up to 70% or 75% of the property's value. If you have significant equity in your assets, you are in a high-leverage position to negotiate much lower interest rates. The more 'skin in the game' you have via your assets, the more the lenders will compete for your business.
First Charge vs. Second Charge
If you already have a mortgage on your business premises, don't worry—you can often still get a 'Second Charge' loan. This sits behind your main mortgage and allows you to unlock the equity that's built up in the building without having to refinance your original (and possibly lower-rate) mortgage. It's a very tactical way to find 'hidden' cash for expansion.
Budget for the "Legal Tail"
Unlike an unsecured loan which can be done in 24 hours, secured loans involve valuations and legal work. This means they take longer (usually 2–4 weeks) and involve some upfront costs for surveyors and solicitors. Always factor these 'closing costs' into your project budget so there are no surprises at the finish line.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
The UK's Trusted Broker for Secured Business Loans
Hundreds of UK businesses have relied on us when they needed funding fast.
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FCA Authorised
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100+ Lenders
We find the right match for your business
Common Questions About Secured Business Loans
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