FINANCE OPTIONS

Secured Business Loans for Trades and Contractors Apply Now

Secured business loans offer trades and contractors in the UK an excellent financing option by allowing them to pledge assets such as property or equipment as collateral. These loans provide larger amounts and better interest rates, ideal for managing cash flow or purchasing new equipment.

Business Loans

Secure up to £1,000,000 in Business Loans 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 Secured Business Loans for Trades and Contractors?

Choosing secured business loans allows businesses to access larger loan amounts and benefit from reduced interest rates compared to unsecured loans. With lending options like asset-based lending, trades and contractors can efficiently manage their financial needs.

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Lower interest rates
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Improved cash flow
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Flexible repayment terms

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What are the different types of Secured Business Loans for Trades and Contractors?

Asset-Backed Loans

Asset-backed loans require SMEs to own valuable assets, offering loan amounts between £50,000 to £5,000,000 with terms spanning 12 to 120 months.

Asset-Backed Loans

Eligible SMEs with good credit can leverage their assets to secure loans at interest rates of 3% to 15% per annum. Approval involves asset valuation and financial assessments, providing great solutions like purchasing new machinery for expansion.

Invoice Financing

Invoice financing enables businesses to advance funds by using outstanding invoices. With quick approvals, it suits businesses with a steady flow of creditworthy clients.

Invoice Financing

Offering up to 95% of invoice value with interest rates from 1% to 5% monthly, invoice financing bridges cash flow gaps effectively. Rapid decisions within 24 to 48 hours provide seamless operations while awaiting full client payments.

Property-Backed Loans

Property-backed loans cater to SMEs owning commercial or residential properties, providing sums from £100,000 to £10,000,000.

Property-Backed Loans

These loans are ideal for long-term expansions like property acquisition. With interest rates between 2% and 10% per annum, they come with lending terms of 60 to 240 months, making them perfect for hospitality businesses expanding their venues.

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 Secured Business Loan for Trades and Contractors?

Application Process

Applying for a secured business loan involves asset valuation and comprehensive documentation submission. The initial decision can be expected within one week, followed by a more detailed assessment of financial health and asset worth.

Borrowing Capacity

Borrowers need to ensure compliance with regulatory standards such as FCA authorization. Understanding the risks associated with collateral is crucial. It's a domain we offer expertise in, guiding through all steps.

Borrowing Capacity

Loan amounts vary widely based on asset value and business creditworthiness. Our tools help businesses assess their capacity, offering ranges from £50,000 to £10,000,000.

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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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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 secured loan application?
What are the interest rates for secured business loans?
What eligibility requirements must be met for secured loans?

DIVE DEEPER

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