FINANCE OPTIONS

180k Secured Business Loans Apply Now

A £180,000 secured business loan provides UK SMEs with substantial funding to support essential operational needs such as managing payroll, purchasing inventory, and covering day-to-day expenses. As a trusted funding agent, we facilitate access to this reliable capital solution, empowering businesses to stabilise cash flow and sustain growth with confidence.

Secure up to £180,000 in Secured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £180,000 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 180k Secured Business Loans?

The main benefits of secured loans include lower interest rates due to collateral, higher borrowing limits, and flexible repayment terms. A typical loan may range from £10,000 to £10,000,000, with decision times from 48 hours to 4 weeks and funds available in up to one month post-approval.

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Lower interest rates
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Improved cash flow
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Asset-backed security

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 180k Secured Business Loans?

Commercial Property Loan

A Commercial Property Loan is available to UK SMEs with adequate property equity, offering amounts from £50,000 to £5,000,000 with terms of 6 to 240 months.

Commercial Property Loan

This loan type facilitates purchasing, renovating, or refinancing commercial properties. Interest rates range from 3% to 6% APR, with decisions made in 2 to 4 weeks. Ideal for retail or hospitality businesses looking to expand.

Asset-Based Lending (ABL)

Asset-Based Lending allows SMEs to leverage valuable assets, like machinery, to secure loans ranging from £100,000 to £10,000,000, over 12 to 60 months.

Asset-Based Lending (ABL)

These loans support working capital financing and business expansion, often preferred by manufacturing firms. Interest rates are between 4% and 8% APR, and decisions can take 1 to 3 weeks.

Invoice Financing

With Invoice Financing, SMEs can improve cash flow through loans based on accounts receivable, with amounts between £10,000 and £2,000,000.

Invoice Financing

This option is excellent for managing short-term expenses and maintaining fluid operations. Loan decisions take 48 hours to a week, with interest roughly 1% to 3% above the base rate. Popular among tech startups with corporate clients.

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 180k Secured Business Loan?

Application Processes Explained

To apply for a secured business loan, detailed business plans, financial statements, and documentation of collateral assets are essential. Approval requires credit checks and asset appraisals.

Borrowing Capacity and Rates

In the UK, lenders must be FCA-authorized, ensuring proper assessment of borrowers’ repayment abilities and compliance with regulations. This guarantees security and trust in financial dealings.

Borrowing Capacity and Rates

Loans range from £10,000 to £10,000,000, influenced by collateral value, credit history, and business health. Typical rates vary from 3% to 8% APR, with additional fees considered. Calculate your loan potential effectively.

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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 interest rates for secured business loans?
What are the eligibility requirements for these loans?

DIVE DEEPER

August 12, 2025

How to Qualify for a Business Loan in the UK: A Step-by-Step Guide for SMEs and Startups

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June 6, 2025

Top 13 Short-Term Business Loan Providers in the UK (2025 Comparison Guide)

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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.

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