What are Secured Business Loans?

There are many loans available to businesses and a Secured Business Loan is suitable where businesses make significant investments in fixed assets as it allows you to draw funds against an asset such as machinery or property. It’s arranged for a fixed period, typically over the expected life-span of the asset used to secure the loan and most lenders will offer to lend up to 80-100% of the value of the asset.


£1,000 - £10,000,000*

*maximum amount depending on value of asset


18 months – 25 years

Secured business loans can be arranged for a fixed period, typically over the expected life-span of the asset being purchased

Annualised Cost

4% - 20% APR

Costs vary significantly based on your credit rating, the type of asset, the amount of lending and other factors. Expect annualised costs of around 4%-20%

The information above shows the terms typically associated with a Secured Loan. Your terms will depend on your own situation

Secured Business Loans at a Glance

Time Trading and Revenue

To apply for a secured business loan you can be a start-up and trading for under a year. You don’t necessarily have to state your revenue either as the lender will offer the loan based on an asset, although it’s advisable to offer the information.

Credit record

Lenders will require you to provide an acceptable asset as security, with the value of the asset typically being at least 100-125% of the loan amount. You must have equity / net assets in the business.


A secured business loan is typically acquired with a fixed period contract with agreed repayments, which can vary significantly depending on the asset used to secure the loan.

Personal Gaurantees

A secured business loan will be secured against an asset. In addition, a personal guarantee may be required, which is an agreement that means a director takes on a certain level of personal responsibility for the debt through their own finances/assets.

How to Get a Secured Business Loan

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