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Secured Business Loans

Reform Financial

Asset Finance
Reform Financial logo

£50,000 to £50,000,000

Available amount


Available term

Tailored to your business, 200+ trusted lenders. No credit checks, no obligation and no fees. Dedicated account manager. Fast, 30 second eligibility form . 

Think Business Loans

Secured Business Loan
Think Business Loans logo

£25,000 to £10,000,000

Available amount

5 to 30 years

Available term

Match your business against 100s of eligible lenders. Rates from 1.2% APR (Over Base). Legal charges may apply.

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  • Compare Secured Loans

    Are you thinking of applying for a secured business loan? Getting a larger amount of funding in this way can be a great platform to build success, but secured loans in particular are a lot riskier than other types, so it’s definitely worth doing your research first, prior to submitting an application.

    Since you’re required to secure the business loan against a high-value asset such as a commercial property or your home, it means you need to be very sure you can afford to make all associated repayments. Remember that failure to repay a secured business loan means the lender is legally entitled to repossess this asset in lieu of payment.

    Whether you’re getting a secured loan for a small business or for your limited company, there are plenty of options from our comparison tables for you to choose from.

    What is a secured business loan?

    • High-value loan with better rates than an unsecured loan
    • ‘Secured’ against an asset such as property or machinery
    • Very risky compared to other loan types
    • Failure to repay might result in your asset being repossessed
    • Better for established businesses with multiple assets

    A secured business loan is a way of taking out a higher value loan by ‘securing’ it against an asset such as commercial property or even your home. This is considered a much riskier way of borrowing as it means if you fail to repay your loan, the lender can repossess your asset, which could mean you lose your home or commercial property.

    This form of borrowing is useful if you want to borrow a larger amount, but only if you are completely certain you can afford every single repayment. Given the risk attached to secured loans, it’s worth comparing different loan types to see if there’s another way of borrowing, before committing to a secured business loan.

    How to get a secured business loan

    You will need to supply all applicable business details including a valid UK address, registration details such as Companies House registration number and possibly even your most recent account history. This is so the lender can assess whether they would accept your application for this type of loan.

    With it being a secured loan, you will also have to supply details with regards to your asset, so you can ‘secure’ the loan against it. You will have to agree to the terms of the loan deal, ensuring you have understood what will happen if you fail to make the necessary repayments in full and on time.

    You will usually have to be credit checked as well and meet a lender’s minimum criteria for acceptance, depending on the amount of money you’re asking for in your secured business loan application.

    Am I eligible for a secured business loan?

    This usually depends on your credit score and if you are considered credit-worthy by the lender, but with a secured loan it may also depend on the value of the asset you plan on securing the loan against.

    The combined value of your assets will usually reflect how much you can potentially borrow through a secured business loan. For that reason, it may suit a more established business that has a few valuable assets, rather than a small business with only one property. Remember, the asset must be owned by the business, so you wouldn’t be eligible to apply if you simply rented your premises and had no other assets.

    Since a secured loan is for much more money than other types of loans, there might be further checks made by the lender to ensure they’re happy to accept your application. Whether that is checking your financial history, business credit score or simply looking into the assets you’ve decided to secure the loan against, it may take slightly longer to process than smaller business loans taken over a shorter period.

    We work with a number of lenders to deliver a wide selection of business loans for you to choose from, enabling you to find the best deal for you as a sole trader, start up, small business or limited company.

    Each of our lenders is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    We have a diverse range of providers who can support your business whether you’re a sole trader, start up or limited company, or anything in between.

    You can find out more about our lenders and providers here.

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