Compare Secured Business Loans

  • Secured loans are available to a wide range of commercial borrowers
  • Below you can compare secured loan offerings from some of the UK’s leading business finance providers

Choose a type of business loan to compare...

    • Funding Circle Secured Loans logo
      Peer To Peer

      Funding Circle Secured Loans

      • Borrow more for your business by using business assets as collateral
      • Get up to £1 million
      • Rates from 1.9% - no fees for full early repayment
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £10,000 to £1,000,000
      • Available Terms
        6 months to 5 years

      Company details

      • Simple online form and a dedicated account manager
      • Get a decision in as little as 5 hours
      • Rates from 1.9% per year - no fees for full early repayment

      Eligibility criteria

      • At least two years filed accounts with Companies House or formally prepared accounts for non-limited businesses.
    • THINK Business Loans Secured Loans logo
      Broker

      THINK Business Loans Secured Loans

      • Match your business against 100s of eligible lenders
      • Rates from 1.2% APR (Over Base)
      • Legal charges may apply
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        From £25,000 to £10,000,000
      • Available Terms
        5 to 30 years

      Company details

      • THINK's funding platform matches your businesses eligibility against hundreds of lenders instantly (without a credit check)
      • THINK are the UK's leading business lending specialists; their experts are on hand to guide you through the process
      • Find the perfect loan in minutes - Make the lender work for you

      Eligibility criteria

      • Must have at least 6 months' trading history
      • Borrower must be a homeowner
    • Nucleus Secured Loans logo

      Nucleus Secured Loans

      • Secured business loans backed by residential or commercial property
      • Available to start ups onwards
      • Award winning business finance
      • Minimum Turnover
        No minimum
      • Available Amounts
        £25,000 to £20,000,000
      • Available Terms
        Up to 7 years

      Company details

      • Fast service - receive your funding in 24 hours
      • Unsecured and secured business loans
      • 7 products tailored to your business

      Eligibility criteria

      • Must have residential or commercial property
      • Must be a homeowner in England & Wales
      • Company registered in England and Wales
      • Start ups accepted (will need cash flow forecast and business plan)
    • Selina Finance Secured Loans logo

      Selina Finance Secured Loans

      • Your loan must be secured against a residential property
      • Check your eligibility without affecting your credit rating
      • Apply in 30 seconds - offer within 15 minutes
      • Competitive rates – no fees or early repayment charges
      • Minimum Turnover
        No minimum
      • Available Amounts
        £25,000 to £400,000
      • Available Terms
        6 months to 5 years

      Company details

      • Specialist digital lender offering secured business loans and flexible credit lines
      • Apply online and get a personalised loan offer in just 15 minutes
      • No fees or early repayment charges

      Eligibility criteria

      • Secured property must be residential and have an active mortgage
      • Residential property must have a value of more than £50,000
      • Homeowner must be based in England, Wales, Scotland or Northern Ireland
    • Funding Xchange Secured Business Loans logo
      Broker

      Funding Xchange Secured Business Loans

      • Discover instant and personalised Secured Loan offers in just 3 minutes
      • Borrow against your company's assets and get the capital your business need
      • One search compares Secured with Unsecured lending solutions to find the best option for you
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £5,000 to £5,000,000
      • Available Terms
        6 months to 25 years

      Company details

      • Funding Xchange can compare 45+ lenders, including exclusive deals, to save you time and money
      • Get instant and personalised loan offers in just 3 minutes
      • Never pay more than direct and the search won’t affect your credit rating

      Eligibility criteria

      • Your business must have been trading for a minimum of 2 years
      • Your business must have an annual turnover of at least £50,000
    • Together Secured Business Loans logo

      Together Secured Business Loans

      • Your loan must be secured against your property
      • Can be used for almost any purpose, and secured against many property types or land - even if you already have a mortgage
      • Borrow against properties or land other lenders may not consider (e.g. non-standard construction)
      • Funding often available when lenders won't help, like if you have less-than-perfect credit
      • Minimum Turnover
        No minimum
      • Available Amounts
        £25,000 to £5,000,000
      • Available Terms
        1 to 30 years

      Company details

      • Lending for over 40 years
      • Award-winning specialist lender
      • Fast, flexible short-term finance, auction finance, and personal, commercial and buy-to-let mortgages

      Eligibility criteria

      • CCJs or secured arrears under 12 months not considered in lending decisions (Max 6 in last 12 months)
      • Wide range of properties considered across UK
      • All applicant types and income types considered e.g. individual, sole trader, limited companies, LLPs

    Suppliers that don't offer Secured Business Loans but may offer suitable alternatives:

    • Yorkshire Bank logo

      Yorkshire Bank

      • Apply online in just 10 minutes
      • Get a fast decision and funds available within days
      • Rates from as low as 3.5% - and no arrangement fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        1 to 5 years

      Company details

      • Apply online in just 10 minutes
      • Get a fast decision and funds available within days
      • Rates from as low as 3.5% - and no arrangement fees

      Eligibility criteria

      • Lending is subject to status and eligibility
      • Security may be required
    • iwoca logo

      iwoca

      • No hidden fees or long term commitments
      • Apply online in minutes
      • Approval within 48 hours, in some cases instantly
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £200,000
      • Available Terms
        up to 12 months

      Company details

      Eligibility criteria

    • Liberis logo

      Liberis

      • Your business must process credit and debit card transactions to apply for this product
      • Competitive pricing tailored to your business
      • Approval in as little as 5 mins, and funds can be yours within hours
      • 9 out of 10 customers would recommend Liberis
      • Minimum Turnover
        £2,500+ card transactions per month
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months

      Company details

      • Approval in as little as 5 mins, and funds can be yours within hours!
      • Competitive pricing tailored to your business. No APR or hidden fees.
      • 9 out of 10 customers would recommend Liberis

      Eligibility criteria

      • Trading for 4+ months
      • Average £625+ a week in card payments
    • 365 Business Finance logo

      365 Business Finance

      • Your business must process credit and debit card transactions to apply for this product
      • A flexible business funding alternative
      • Cash advanced against card transactions
      • Pay back an affordable % of your card transactions
      • Minimum Turnover
        £5,000+ card transactions per month
      • Available Amounts
        £5,000 to £200,000
      • Available Terms
        4 to 18 months

      Company details

      • Get between £5,000 and £200,000
      • Pay back through your customer card transactions
      • A single all inclusive charge that never changes
      • No interest, APRs or hidden extras

      Eligibility criteria

      • Your business must have been trading for at least 6 months
      • Your business must accept debit and credit card payments
      • Your business must take at least £5,000 per month in card transactions.
    • Lombard Business Loans logo

      Lombard Business Loans

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018
      • Minimum Turnover
        No minimum
      • Available Amounts
        £6,320 to £150,000
      • Available Terms
        1 to 7 years

      Company details

      • Lombard is one of the UK's oldest and largest asset finance partner
      • They help thousands of businesses invest in their future every day
      • Lombard have won Best Leasing and Asset Finance Provider at the Business Moneyfacts Awards every year from 2009 to 2018

      Eligibility criteria

    • Esme Business Loans logo

      Esme Business Loans

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Minimum Turnover
        £15,000 p.a.
      • Available Amounts
        £10,000 to £250,000
      • Available Terms
        1 to 5 years

      Company details

      • Simple, fast & fair business loans from Esme Loans
      • Hassle-free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments

      Eligibility criteria

      • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
      • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
    • Capital on Tap logo

      Capital on Tap

      • Capital on Tap are a Revolving Credit Facility you can utilise through either a credit card, a loan or both
      • Credit limits up to £50,000 with no monthly or annual fees
      • 0% Interest on all card purchases, when balance cleared in full each month
      • Minimum Turnover
        £24,000 p.a.
      • Available Amounts
        £1,000 to £50,000
      • Available Terms
        1 month to 2 years

      Company details

      • Capital on Tap specialises in supporting the UK's SMEs and Self Employed Merchants with credit through their card and loan facilities.
      • Within 1 minute of application they can offer Credit limits of up to £50,000 with rates as low as 9.9%.
      • Since 2012, Capital on tap has provided more than £1billion to over 60,000 UK businesses.

      Eligibility criteria

      • Limited Companies, Sole Traders, Partnerships and Limited Liability Partnerships all welcome to apply
      • No Outsanding CCJs
      • Minimum 12 months Trading History
    • NatWest logo

      NatWest

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £10,000,000
      • Available Terms
        1 to 25 years

      Company details

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • NatWest provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
    • Fleximize logo

      Fleximize

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
      • Minimum Turnover
        £60,000 p.a.
      • Available Amounts
        £5,000 to £500,000
      • Available Terms
        1 month to 4 years

      Company details

      • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
      • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
      • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day

      Eligibility criteria

    • Ferratum Business logo

      Ferratum Business

      • Free and no obligation application process, competitive rates
      • Complete the application form in 5 minutes, loan disbursed within one day of completed application
      • Decisions based on cash flow, not credit scores
      • Minimum Turnover
        £75,000 p.a.
      • Available Amounts
        £2,000 to £50,000
      • Available Terms
        6 to 18 months

      Company details

      • Free and no obligation application process, competitive rates
      • Complete the application form in 5 minutes, loan disbursed within one day of completed application
      • Decisions based on cash flow, not credit scores

      Eligibility criteria

      • Sole traders, partnerships and limited companies all welcome to apply.
      • Your company must have been trading for 2+ years.
      • Business owners must be UK based.
      • You must have a dedicated business bank account.
      • Business must have a physical presence.
    • Royal Bank of Scotland Business Loans logo

      Royal Bank of Scotland Business Loans

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
      • Minimum Turnover
        No minimum
      • Available Amounts
        £1,000 to £10,000,000
      • Available Terms
        1 to 25 years

      Company details

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes

      Eligibility criteria

      • Royal Bank of Scotland provide a range of lending products that could be used alongside the Government's Enterprise Finance Guarantee scheme
      • If traditional bank financing is not appropriate for you, they can help you understand some sources of non-bank finance options
      • Eligibility criteria apply for all funds and schemes
    • The Start Up Loans Company logo

      The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years

      Company details

      • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
      • Start Up Loans have helped over 40,000 businesses get started in the UK
      • Free application support
      • Free post-loan business mentoring

      Eligibility criteria

      • Business is based in the UK
      • Trading for under 24 months
      • 18 years and over
    • Spotcap logo

      Spotcap

      • Your business must have been trading for 3+ years and be profitable to be eligible
      • Fully unsecured business loan - no personal guarantee needed
      • Apply online in 15 mins, decision in one working day
      • No withdrawal fee. No early repayment fee
      • Minimum Turnover
        £500,000 p.a.
      • Available Amounts
        £50,000 to £250,000
      • Available Terms
        1 month to 2 years

      Company details

      Eligibility criteria

Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

Business Secured Loans FAQ

What is a secured business loan?

Is a business secured loan similar to a personal secured loan?

What are the benefits of a secured business loan?

Will my company be approved for a secured business loan?

What happens if I miss a repayment on my secured business loan?

Are there any alternatives to a secured business loan?