FINANCE OPTIONS

^£650K Secured Business Loans - Apply Now

Q: What is the typical borrowing range for secured business loans?

Most secured business loans allow you to borrow between £50,000 and £5 million. The specific amount depends on the value of the asset you are able to offer as security, as well as your business’s financial position and credit score.

Q: How long does it take to get a secured business loan?

An initial lending decision usually takes 1 to 4 weeks after the application, depending on asset valuation and lender checks. Once approved, funds may be available within up to 6 weeks, based on document completion and lender procedures.

Q: What are the main types of secured business loans?

The main types include asset-backed loans (using machinery or equipment as security), property-secured loans (using commercial property), and invoice secured loans (using unpaid invoices), each offering different borrowing limits and terms.

Q: Are secured business loans regulated?

Yes, most secured business loans are regulated by the Financial Conduct Authority (FCA), and the Consumer Credit Act applies in some cases. This ensures fair treatment and clear terms for business borrowers.

A £650K secured business loan allows UK companies to access substantial funding by offering an asset—such as property or equipment—as security. This type of finance is designed for businesses seeking significant capital at competitive rates, using existing assets to secure borrowing. Secured loans are popular among growing firms looking to boost cash reserves, invest in equipment, or expand premises. The primary benefit for businesses is the ability to borrow higher amounts at lower interest rates than unsecured alternatives, helping to support major projects and cash flow stability.

Secure up to £650,000 in £ Secured Business Loans with Funding Agent.

Secure up to £1,000,000 in Secure up to £650,000 in £ Secured Business Loans with Funding Agent. with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Secured Business Loans

Secured business loans offer several advantages for UK SMEs, especially when substantial finance is required. Using valuable collateral lowers the lender’s risk, often resulting in more affordable borrowing, larger approvals, and increased flexibility. Understanding these benefits can help you decide if a secured loan is the right fit for your business plans.

Large funding amount

Flexible repayment terms

Secured against assets

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Secured Business Loans

Asset-Backed Loan

Asset-backed loans are suited to businesses with valuable equipment or machinery. Suitable assets and a sound credit profile are required. Typical funding is £50,000 to £2 million.

Asset-Backed Loan

If your business owns valuable equipment or plant, asset-backed loans can unlock funding between £50,000 and £2 million. To apply, assets are independently valued and your financials are reviewed. These loans often have terms of 12 to 60 months and interest rates from 4% to 12% APR. They work well for funding new machines or refurbishments and help sectors like manufacturing access cost-effective capital.

Property-Secured Loan

Businesses owning commercial property can access property-secured loans, with finance typically from £100,000 up to £5 million. Financial strength and asset value are key.

Property-Secured Loan

Property-secured loans use commercial property as collateral, offering between £100,000 and £5 million over 60 to 180 months. The process includes property valuation and detailed business plans. Interest rates range from 3% to 10% APR. This loan suits larger investments, such as buying premises or expanding facilities, and is common in retail and real estate sectors.

Invoice Secured Loan

Invoice secured loans help businesses with outstanding invoices bridge cash flow gaps. Advances of £10,000 to £500,000 are typically available.

Invoice Secured Loan

For companies with slow-paying customers, invoice secured loans offer fast access to working capital. You submit invoice details, and lenders assess their quality before advancing funds. With terms of 1 to 12 months and rates of 2% to 8% per invoice, this option supports short-term liabilities and keeps operations running smoothly, particularly for service-based businesses.

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

How to Get a Secured Loan via Funding Agent

Assess Eligibility

Review which assets can be used as security and clarify your business borrowing requirements by completing the online application form before starting your application.

Submit Application

Upload the required business documentation, asset valuations, and financial information directly through Funding Agent’s secure platform.

Receive Offers

Compare lender offers provided by Funding Agent and complete your agreement directly with your chosen lender once you’re happy with the terms.

Get Funding For your business

Generate offers

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.

FAQ’S

What is the typical borrowing range for secured business loans?

How long does it take to get a secured business loan?

What are the main types of secured business loans?

Are secured business loans regulated?

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^£650K Secured Business Loans - Apply Now

Key ^Benefits of Secured Business Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Secured Business Loans

Asset-Backed Loan

Asset-Backed Loan

Property-Secured Loan

Property-Secured Loan

Invoice Secured Loan

Invoice Secured Loan

Typical Funding Journeys on Funding Agent