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400k Secured Business Loans - Apply Now

A £400,000 secured business loan provides UK SMEs with substantial capital to support critical operations such as managing payroll, purchasing inventory, and covering other essential expenses. As a trusted Funding Agent, we enable businesses to access this tailored financing solution, helping to strengthen cash flow and facilitate sustainable growth. This loan amount is ideal for companies seeking reliable funding with competitive rates backed by secured assets.

Secure up to £400,000 in Secured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £400,000 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 400k Secured Business Loans?

The main advantages of secured business loans include lower interest rates, higher borrowing limits up to £5,000,000, and flexible repayment terms. Decision-making timelines range from 1 to 4 weeks, offering rapid access to funds. These benefits make secured loans an excellent option for businesses looking to grow, expand, and innovate efficiently.

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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 400k Secured Business Loans?

Commercial Property Loan

Commercial Property Loans require a UK-registered business with commercial property ownership. Typical amounts range from £100,000 to £5,000,000 over 12 to 300 months. These loans often leverage existing property for favorable terms.

Commercial Property Loan

These loans come with interest rates ranging from 2% to 6% APR. Decision times are approximately 2 to 4 weeks. Common uses include purchasing new office spaces and refinancing existing properties, especially useful for retailers and hospitality sectors. Understanding the application process is crucial, requiring legal checks and property valuation.

Asset-Based Lending

Asset-Based Lending suits businesses with tangible assets. Loan amounts span from £50,000 to £2,000,000, with terms of 6 to 60 months. This provides flexibility and efficient capital access by securitizing equipment or inventory.

Asset-Based Lending

With interest rates between 3% to 9% APR, decision times are usually 1 to 3 weeks. Ideal for manufacturing firms upgrading machinery, this financing type supports business expansions and operational scaling.

Invoice Financing

Invoice Financing is suited for businesses with strong invoicing practices and creditworthy clients, offering up to 90% of invoiced value, working as a revolving credit facility.

Invoice Financing

Rates are 1% to 3% above base rates, with decision times of 2 to 10 days. This structure significantly enhances cash flow, ideal for tech startups and manufacturing suppliers managing delayed payments.

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
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What is a 400k Secured Business Loan?

Application Processes

Applying for a secured business loan typically involves several steps, including asset valuation, credit checks, and legal documentation. Decision times can vary from 1 to 4 weeks depending on the loan complexity and document provision speed. Knowing each step helps streamline the application.

Borrowing Capacity and Rates

Secured loans in the UK must comply with Financial Conduct Authority regulations ensuring asset valuation accuracy, transparency, and borrower fair treatment. Adhering to these ensures a smooth and compliant lending experience.

Borrowing Capacity and Rates

The borrowing capacity for secured loans can range from £50,000 to £5,000,000. Factors influencing this include asset value and business credit history. Typical interest rates range from 2% to 9% APR, with additional fees for appraisals and legal services influencing total costs.

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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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DIVE DEEPER

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