FINANCE OPTIONS

380k Secured Business Loans – Apply Now

A £380,000 secured business loan offers UK SMEs a robust financial solution to support critical operational needs such as payroll, inventory management, and day-to-day expenses. By leveraging secured funding, businesses can access larger loan amounts with competitive rates, helping to stabilise cash flow and drive sustainable growth. Funding Agent specialises in providing tailored lending options designed to empower small and medium enterprises across the UK.

Secure up to £380,000 in Secured Business Loans with Funding Agent.

Secure up to £500,000 in Secure up to £380,000 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 380k Secured Business Loans?

With secured business loans, access larger funds from £50,000 to £25 million with favorable interest rates ranging from 2% to 8% above the base rate. Enjoy quick decisions typically within 2 to 6 weeks. Let our intelligent financial solutions guide your journey to financial growth and stability.

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Access to larger funds
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Lower interest rates
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Improved cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 380k Secured Business Loans?

Asset-Based Lending

Asset-based lending provides finance from £50,000 to £5 million, requiring robust asset valuation and solid financial documentation. Aimed at businesses with valuable machinery or inventory, decision times are typically within 2 to 4 weeks.

Asset-Based Lending

Ideal for manufacturing and retail firms, asset-based lending offers a flexible funding solution with interest rates from 3% to 8% above base rate. The thorough valuation process, combined with a detailed application, ensures that businesses capitalize on their assets efficiently. Benefit from prompt decisions and tailored financial strategies.

Commercial Property Loans

Commercial property loans cater to businesses owning commercial real estate, offering finance from £100,000 to over £25 million with loan terms from 5 to 30 years.

Commercial Property Loans

These loans facilitate property purchases, refinancing, or development. With interest rates between 2% to 5% above base, the process involves comprehensive valuations and credit checks, spanning 3 to 6 weeks. Ideal for hospitality or tech firms expanding their premises.

Invoice Finance

Invoice finance releases cash tied up in invoices, providing up to 85% of their value. Best for B2B companies facing long payment cycles, with quick processing times.

Invoice Finance

Invoice finance is a strategic choice for tech and manufacturing sectors needing seamless cash flow. Factoring fees range from 1% to 3% of invoice value. The streamlined setup process ensures ongoing cash liquidity with minimal delay.

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 380k Secured Business Loan?

Application Process and Decision Times

The application for secured loans involves submitting evaluations of business assets and financials, often concluding with a decision within 2 to 6 weeks.

Borrowing Capacity and Rate Factors

Compliance with FCA regulations is mandatory, ensuring fair and transparent lending practices. Understanding these requirements ensures safer borrowing experiences.

Borrowing Capacity and Rate Factors

Loan amounts depend on asset value and business creditworthiness, ranging from £50,000 to £25 million. Interest rates are influenced by collateral type and borrower credit profile.

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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 a secured business loan?

DIVE DEEPER

August 12, 2025

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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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