FINANCE OPTIONS

130k Secured Business Loans - Apply Now

A £130,000 secured business loan offers UK SMEs a reliable funding solution to support critical financial needs such as payroll, inventory management, and operational expenses. By leveraging this secured loan, businesses can optimise cash flow and maintain stability during growth phases or unforeseen disruptions. Funding Agent specialises in facilitating tailored finance options to empower SMEs with the capital they need to thrive.

Secure up to £130,000 in Secured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £130,000 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 130k Secured Business Loans?

The key benefits of secured business loans include access to larger sums and potentially lower rates, providing improved cash flow management and financial stability. For example, applicants can receive up to 90% of the collateral value, with funds typically available within 1 to 2 weeks post-approval. Detailed information on how these loans can benefit your business is available on our business funding solutions page.

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Flexible repayment terms
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Lower interest rates
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Access to larger funds

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 130k Secured Business Loans?

Commercial Property Loan

Commercial Property Loans require businesses to own commercial property to use as collateral. Typical loan amounts range from £50,000 to £5,000,000, with terms between 12 to 360 months. Learn more about how you can leverage property for financing on our small business loan page.

Commercial Property Loan

With interest rates between 3% to 6% per annum and decision times of 2 to 4 weeks, Commercial Property Loans are suitable for purchasing or expanding office space and refinancing existing properties. This loan type is especially beneficial for retailers and manufacturers looking to expand. Delve into our loan insights for UK SMEs to see how these loans can support your growth.

Asset-Based Loan

Asset-Based Loans cater to SMEs with tangible assets like machinery for collateral, offering amounts between £50,000 to £1,000,000 over 6 to 60 months. Visit our unsecured business loans to explore more options.

Asset-Based Loan

Interest rates for Asset-Based Loans range from 4% to 8% per annum, with decision times from 1 to 3 weeks. These loans are ideal for businesses needing to fund working capital or acquire new machinery. Explore business loan solutions that fit your needs.

Inventory Financing

Inventory Financing is designed for businesses that maintain significant stock, offering £50,000 to £500,000 with terms spanning 3 to 24 months. Our corporate loans page provides similar funding alternatives.

Inventory Financing

With interest rates between 5% to 10% and decision times within 1 to 2 weeks, Inventory Financing supports businesses looking to manage supply chain expenses. Retailers and hospitality businesses can particularly benefit by sourcing seasonal stock with ease. More details are available on our loan calculator page.

Typical Funding Journeys on Funding Agent

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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 130k secured business loan?

Application Process Explained

The application process for secured business loans involves submitting detailed financial records and undergo credit assessments. The decision period can vary from 1 to 4 weeks. To streamline your application, consider reading about our funding application process.

Determining Borrowing Capacity

Lending practices for secured loans must comply with FCA guidelines, ensuring that borrowers are fully aware of their obligations. This regulatory oversight helps protect businesses. Our business finance regulations section provides further guidance.

Determining Borrowing Capacity

The amount you can borrow depends on the collateral value and your business's creditworthiness. Typical interest rates range from 3% to 10%. To calculate a figure tailored to your needs, visit our funding solutions 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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FAQ’S

How much can I borrow with a secured business loan?
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