FINANCE OPTIONS

490k Secured Business Loans - Apply Now

A £490,000 secured business loan provides UK SMEs with substantial capital to support critical business needs such as expanding inventory, managing payroll, or upgrading equipment. As a trusted funding agent, we facilitate access to this tailored financing solution, helping businesses strengthen cash flow and drive sustainable growth with competitive terms and security.

Secure up to £490,000 in Secured Business Loans with Funding Agent.

Secure up to £500,000 in Secure up to £490,000 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 490k Secured Business Loans?

One major benefit of secured business loans is their lower interest rates compared to unsecured loans, potentially ranging from 2% to 12%. Businesses can also access higher borrowing limits, sometimes up to £5,000,000, depending on the asset's value. Faster decision times, ranging from 1 to 6 weeks, help businesses plan efficiently.

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Lower interest rates
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Easier approval process
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Higher loan amounts

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of 490k Secured Business Loans?

Commercial Property Loan

Commercial Property Loans are available for businesses with stable income and sufficient asset value, offering loan amounts from £100,000 to £5,000,000 with terms between 60 to 300 months.

Commercial Property Loan

These loans typically come with interest rates of 3% to 6%. Decision times vary between 2 to 6 weeks, influenced by property valuations and legal processes. Ideal for purchasing new commercial premises or refinancing existing ones.

Asset Finance

Asset Finance suits businesses needing to acquire equipment or vehicles, with amounts ranging from £50,000 to £500,000 and terms up to 72 months.

Asset Finance

With interest rates between 5% and 12%, Asset Finance offers quick decisions within 1 to 3 weeks. This option is popular for acquiring manufacturing equipment or IT infrastructure.

Invoice Financing

Invoice Financing allows businesses to finance up to 90% of their outstanding invoice value, with terms tied to invoice lengths.

Invoice Financing

This financing type, with interest rates of 2% to 4% plus fees, offers rapid decision times of 24 to 72 hours. It's beneficial for improving cash flow in sectors like tech or retail.

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 490k Secured Business Loan?

Application Process

The application process for secured business loans involves providing financial statements, ownership proof, and asset details. Decisions are made within 1 to 6 weeks, depending on thorough valuations and legal checks.

Borrowing Capacity and Rates

Lenders must be authorised by the FCA, ensuring compliance with financial stability standards and risk management practices, crucial for borrower protection.

Borrowing Capacity and Rates

Borrowing capacity for secured loans can start at £10,000 and go beyond £5,000,000, influenced by asset value and credit score. Interest rate considerations are key.

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

DIVE DEEPER

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Best Unsecured Loan Lenders in the UK

Explore leading lenders offering fast, collateral-free loans—compare rates, terms, and find the best fit for your business.

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