Secured Loans

Unlock flexible business funding using property or assets as security

What Is a Secured Loan?

A secured business loan is a type of finance that uses property, land, or other valuable assets as collateral to reduce risk for the lender and unlock better terms for the borrower. This allows businesses to access larger loan amounts, lower interest rates, and longer repayment periods compared to unsecured finance.

Secured loans are ideal for:

  • Raising capital for business growth or investment

  • Consolidating business debt into a single affordable loan

  • Funding property purchases, refurbishments, or developments

  • Supporting cash flow during challenging trading periods

  • Financing acquisitions, buyouts, or restructuring plans

Funds can be used for virtually any commercial purpose — as long as the loan is secured against acceptable collateral.

Types of Secured Loans

At The Funding Group, we work with a wide network of banks, specialist lenders, and private funders to offer secured loans tailored to your goals.

Commercial Secured Loans

Large loan amounts secured against commercial or residential property owned by the business or directors.

Second Charge Loans

Raise capital against a property that already has a mortgage, without disturbing the main loan.

Secured Bridging Loans

Short-term secured finance used to cover funding gaps, urgent purchases, or time-sensitive transactions.

Development Loans

Property development finance secured against land or property, often released in stages.

Asset-Backed Lending

Use physical business assets (such as equipment or machinery) to secure a loan, rather than property.

Interest-Only Secured Loans

Reduce monthly payments by paying interest only, with the capital repaid at the end of the term.

Typical Terms & Key Features

  • Loan Amounts: £25,000 to £25 million+

  • Terms: 12 months to 10 years (or longer with certain lenders)

  • Interest: Fixed or variable, with options for interest-only or capital repayment

  • Security: Residential property, commercial premises, land, or business assets

  • Loan-to-Value (LTV): Up to 80% (can increase with additional security)

  • Approval Time: Offers in as little as 48 hours; funds in 5–14 working days

We’ll match you with lenders that understand your business sector and funding goals — ensuring competitive rates and appropriate structures.

Who Can Use Secured Loans?

Secured business loans are available to:

  • Limited companies and LLPs

  • Sole traders and partnerships

  • Property developers and investors

  • Business owners with valuable assets

  • Companies with adverse credit or complex circumstances

  • Borrowers looking for lower rates or higher loan values than unsecured options allow

Even if your credit profile isn’t perfect, security can significantly improve your borrowing options.

Benefits of Secured Loans

  • Higher loan amounts available compared to unsecured loans

  • Longer repayment terms for lower monthly costs

  • Lower interest rates thanks to reduced lender risk

  • Flexible use of funds for any commercial purpose

  • Improved access to finance for businesses with limited trading history or poor credit

  • Fast decisions and funding through specialist lenders

  • Option to use a wide range of assets as security — including investment property or land

Secured loans are often the most effective way to fund major business activity without diluting ownership or equity.

Need a Secured Loan for Your Business?

Whether you’re expanding, consolidating, or simply unlocking value from property or assets, The Funding Group can help you secure fast, competitive funding tailored to your goals.