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Secured Loan

Secured Business Loans

A Secured loan is a way of injecting cash into your business if you need help with working capital or general expenses.

Last updated: 25/02/2025

Secured business loans for UK businesses

A secured loan are an ideal option for businesses who require funding where they can use one or more of their assets as security against the money they borrow. A secured loan is sometimes a more popular type of business loan as the additional security in an asset reduces the risk for the lenders, which usually allows you to borrow more and at lower rates than with an unsecured business loan. The added security can lower the risk which leads to an increase the likelihood of being approved for a secured business loan.

What is a Secured Loan?

A secured business loan is a type of loan that gives businesses the opportunity to secure funding by using assets such as a business property as security. Before the property can be used as security, an evaluation is required to ensure the property is suitable. If you or your business owns property, a secured loan offers another method of acquiring funding.

Typically a secured loan takes longer to secure approval due to the valuation process, which is necessary for the lender to assess the value of the property being used as security. This valuation ensures that suitable security is in place and that the property's value is sufficient to support as the security for the loan. The amount of capital that can be financed with a secured business loan is typically tied to the property's value, with lenders typically offering up to 75% of its worth. However, because secured loans provide collateral, they are generally considered lower risk by lenders. As a result, businesses may benefit from larger loan amounts, longer repayment terms, and an improved chance of approval compared to unsecured financing options.

Benefits of secured loans

Some of the benefits of using a secured loan are:

  • Access to higher loan amounts
  • Longer repayment terms
  • Access to lower interest rates
  • Security provided to the lender
  • Increased approval rates

How does a secured business loan work?

  1. Once you contact us, we will ask you to send over some information. Depending on your business and what you’re planning on using the loan for, this could include your latest set of accounts, last 6 months’ bank statements and personal details of any directors.
  2. After confirming the above information, we will apply to our wide panel of funders, who will usually come back with an answer in 48 hours. Identification checks and know your customer requirements will also need to be carried out on the business and the directors.
  3. When you confirm you wish to proceed with the terms and conditions of the secured loan, you will be sent the documentation for your signature and return. Once all final checks have been carried out the funds are then released to you.

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Am I eligible for a secured business loan?

We can work with a wide range of businesses to help them acquire a secured loan.

Ranging from SMEs to established corporate companies we can help most businesses with funding lines.

However you must have a UK-based business and operate as a limited company or a partnership.

Things to consider for a secured loan

Amount: 75% of the asset used for security can be funded.

Purpose: Can be used for any legitimate business purpose.

Time length: Approval times are extended due to the valuation process.

What can I use a secured business loan for?

  • Expansion
  • Working capital
  • Hiring new staff
  • Purchasing new inventories
  • Research and development
  • Debt relief
  • Refinancing existing assets
  • Pay suppliers

How to apply for a secured loan

MAF Finance Group works with a wide panel of banks and alternative funders and can assess which funder provides the most competitive financial solution for you.

If you would like to get a quote or need further information, simply fill in the form and we will contact you. If you want to speak to someone directly, you can call us on 0115 958 6872 and a member of our team will be happy to speak to you. Alternatively, email us at [email protected].

Other Products We Offer

Business Loans

A business loan is a quick financing method that can help your company growth, boost cash flow and expand working capital.

Secured Business Loans

A Secured loan is a way of injecting cash into your business if you need help with working capital or general expenses.

Small Business Loans

A small business loan is a type of finance that can help small businesses to growth, increase cash flow and boost working capital.

Tax Loans

A tax loan allows you to take control of your cashflow and spread the cost of your tax bill into more manageable monthly payments.

Working Capital Loans

A working capital loan is ideal for businesses needing a short-term finance solution, providing sufficient cash flow and enabling a business to carry out day-to-day operations. 

Unsecured Business Loans

An unsecured loan is a way of injecting cash into your business if you need help with working capital or general expenses.

Secured Business Loan FAQS

What can I use a secured business loan for?

A secured loan can be used for many purposes, including expanding the business, increase working capital, hiring new staff, purchasing new inventory, research and development, debt relief, refinancing existing assets, and paying suppliers.

Who should get a secured business loan?

A secured loan is an ideal option for businesses who require funding where they can use one or more of their assets as security against the money they borrow.

What's the different between unsecured and secured business loans?

An unsecured loan provides a cash flow boost without requiring company assets as collateral. However, this may result in a lower borrowing amount and higher interest rates due to the increased risk for the provider. Alternatively, a secured business loan is backed by valuable assets as security such as a property.

What can documents do I need to provide for a secured business loan?

To apply, you will need to provide a range of documents to verify your business’s financial health. Common documents include your business’s latest financial statement, 6 months of company bank statements and full name, address, DOB and homeownership status of all directors.

Why choose MAF Finance Group?

As a leading nationwide finance broker, we have access to a full market of funders, banks and alternative funders. With dedicated teams of sector specialists and industry specialists in the construction, healthcare, agriculture, renewables and fleet management sectors we can help all businesses with their funding requirements.

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