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 our specialist lender panel to secure funding from £5,000 into the millions. Our service has 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
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Secured Business Loan Scenarios From the SME Finance Hub Desk
Three illustrative examples of how UK businesses typically use secured borrowing — typically for larger amounts, longer terms, and sharper rates than unsecured alternatives.
Here's how this type of facility could work for a business in this position. These are illustrative examples, not specific client cases.
Property-backed expansion loan
The type of business
A wholesale food distributor with £4m turnover, owner-occupied warehouse with £900k equity, planning a second depot in the Midlands.
What they needed
£500,000 to fund the new depot fit-out, vehicles, and 6 months of operating overhead.
How it could be structured
10-year secured term loan against the existing warehouse at a fixed rate. Repayments structured to start at month 4, after the new depot was generating revenue.
Likely outcome
Depot opened on schedule. Lower monthly cost than an unsecured equivalent would have been over a 5-year maximum.
Debt consolidation for a manufacturer
The type of business
An engineering firm with three unsecured loans, an MCA, and a tight overdraft — collectively £320k of borrowing at blended cost of c.18%.
What they needed
£330,000 to consolidate everything into a single repayment and release £10k of working capital.
How it could be structured
7-year secured loan against the directors' BTL property, at a single-digit rate. Existing facilities settled directly by the new lender on completion.
Likely outcome
Monthly debt service cut by roughly 45%. Cashflow restored, and the business returned to profitability the following quarter.
BTL portfolio refinance for working capital
The type of business
A landlord operating a 6-property limited company portfolio worth £2.4m, looking for working capital to launch a related letting agency.
What they needed
£250,000 of working capital without disturbing the long-standing BTL mortgages already in place.
How it could be structured
Second-charge secured loan across two of the unencumbered properties, fixed 5-year term, interest-only first 12 months.
Likely outcome
Funds drawn in 7 weeks. New letting agency launched without diluting equity or restructuring the existing mortgage book.
Illustrative example. Rates, advance rates and timescales vary by lender and circumstances. For real, completed deals see our client success stories.
Putting property forward as security routinely cut rates by 4–8 percentage points in these examples, and unlocked terms two to three times longer than an unsecured equivalent.
Common Questions About Secured Business Loans
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