FINANCE OPTIONS

120k Secured Business Loans – Apply Now

A £120,000 secured business loan provides UK SMEs with a robust financial foundation to support critical operations such as cash flow management, payroll, and inventory acquisition. As a trusted funding agent, we facilitate access to this substantial capital, empowering businesses to stabilise finances and drive growth with confidence. This tailored loan solution is ideal for companies seeking reliable funding to meet short- and medium-term operational needs.

Secure up to £120,000 in Secured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £120,000 in Secured Business Loans with Funding Agent. with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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What are the benefits of 120k Secured Business Loans?

The primary advantage of choosing a 120k secured business loan is the potential for lower interest rates due to decreased lender risk, alongside the capacity for higher borrowing amounts compared to unsecured loans. Businesses can experience swift approval times, often benefiting from more competitive rates. Discover more about our tailored lending options.

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Lower interest rates
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Improved cash flow
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Access to larger funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 120k Secured Business Loans?

Asset-Based Lending

Asset-based lending requires businesses to offer assets like machinery or receivables as collateral, typically providing funding from £25,000 to £2,000,000 with terms of 6 to 60 months. Learn more about our asset valuation processes.

Asset-Based Lending

With interest rates ranging from 3% to 12% APR, asset-based lending decision times vary from 1 to 3 weeks. It's perfect for sectors like manufacturing or tech firms needing capital for equipment or software. Consider how flexible financing can benefit your needs.

Commercial Mortgage

Commercial mortgages assist businesses in purchasing or refinancing property, requiring property ownership proof and financial statements. Typical funding ranges from £50,000 to £25,000,000 over 60 to 300 months. Check our commercial property funding.

Commercial Mortgage

Interest rates fall between 2% to 6% APR, with decision times spanning 2 to 6 weeks. Retail and hospitality sectors often leverage these for property acquisition or renovation. Leverage our expertise in strategic financing solutions.

Invoice Financing

Invoice financing is ideal for businesses issuing invoices to creditworthy clients, offering funding from £5,000 to 95% of invoice value. Discover efficient funding processes.

Invoice Financing

Invoice financing offers rapid decision times, approximately 24 hours after invoice submission. It's vital for firms in sectors like manufacturing, ensuring smooth cash flow. See how our solutions enhance your business operations.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

What is a 120k Secured Business Loan?

Application and Approval Processes

The application process for secured business loans often involves detailed asset verification to determine loan viability. Decisions typically range from 1 to 6 weeks, with fund availability within weeks post-approval. Explore our streamlined application procedures for securing your business future. To apply, visit our application portal.

Borrowing Capacity and Rate Factors

UK secured business loans must adhere to FCA guidelines to ensure transparency. Our expertise in compliance supports businesses in navigating these obligations effectively. For more information on regulatory requirements and our services, see our regulatory glossary.

Borrowing Capacity and Rate Factors

Borrowing capacity for secured loans is influenced by factors like collateral value and business creditworthiness, with rates ranging from 2% to 12% APR. Understand how we assess these factors to offer competitive finance options. For a comprehensive insight into your possibilities, visit our financial expertise page.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with a secured business loan?
How quickly can I get a decision on my loan application?
What are the typical interest rates for secured business loans?
What are the eligibility requirements for a 120k secured business loan?

DIVE DEEPER

July 2, 2025

Unsecured Business Loans UK: Fueling Service Sector Growth

Discover how UK service sectors like recruitment, marketing, and legal firms use unsecured business loans for cash flow, expansion & growth without collateral. Get insights & tips.
June 30, 2025

Which Financing Is Best for Short-Term Business Needs?

Discover the top short-term financing options for UK businesses. Compare loan types, sector usage, and metrics to find the best funding solution for your needs.
June 11, 2025

What is an MCA Loan?

Merchant Cash Advances offer fast, flexible funding for UK businesses, with repayments tied to card sales and approvals based on turnover, not credit score.

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