Secured Business Loans

Secured Business Funding

Secured Business Loans

Structured business lending supported by property or other acceptable security, often used where a business requires a larger facility, a more flexible structure or a route that improves lender appetite beyond unsecured terms.

For the right case, security can support stronger borrowing capacity, wider lender choice and a more commercially workable funding outcome.

Important: This page relates to funding for business purposes only. The Aftersales Network Limited does not provide personal loans or consumer credit services through this page.
Tell us what you want the funding to achieve and what security may be available. We will assess the requirement before identifying the most appropriate route.

Typically Considered Where

The requirement is larger, the structure is more nuanced, the business wants greater flexibility or lender appetite is improved by the presence of acceptable security.

What A Secured Business Loan Is

Business borrowing supported by property or other acceptable security.

A secured business loan is a facility where the lender takes security, often over residential investment property, commercial property or another acceptable asset, to support the transaction.

That security can improve lender confidence and, depending on the case, may support larger facilities, longer terms, more competitive pricing or a more flexible structure than an unsecured loan would allow.

Typical Features

Facilities commonly available from £25,000 upwards
Security usually required over UK property or another acceptable asset
Short term or longer term structures available depending on purpose
May be available to sole traders, partnerships and limited companies in the right circumstances
Structured around lender appetite, security profile and repayment capacity

Why Businesses Use Secured Lending

Often used where the requirement needs more than a standard unsecured facility.

Larger Borrowing Requirement Where the funding amount exceeds normal unsecured appetite or needs stronger lender comfort.
More Structured Requirements Where the requirement involves refinancing, business investment, restructuring, expansion or a time sensitive commercial need.
Improving Lender Appetite Where acceptable security may support a stronger funding route than an unsecured structure would allow.

What Lenders Will Consider

Security alone is not the whole answer.

Purpose of the loan and overall commercial rationale
Value, quality and suitability of the proposed security
Business performance and repayment capacity
Management profile, credit background and structure of the case
The proposed repayment or exit strategy

Our Role

A better route into the market for structured borrowing.

The Aftersales Network Limited is a credit broker and not a lender. We assess the requirement, the quality of security, likely lender appetite and the most appropriate funding route before positioning the enquiry with lenders and specialist funders where suitable.

That means considering how the security should support the overall funding outcome, rather than simply approaching lenders because an asset is available.

Strategic Funding Assessment

Start with the outcome. Then decide how security should support it.

Tell us what the business needs the funding to achieve and what property or other security may be available. We will consider the requirement in context before deciding whether secured borrowing, unsecured finance or another structure is the more appropriate route to explore.

01
Tell us what you need Outline the funding requirement, purpose, amount, timing, business position and available security.
02
We assess the structure We consider whether using security strengthens the funding outcome and which structure appears most appropriate.
03
Position the enquiry Where appropriate, we identify suitable lender appetite and determine the next step before an approach is made.

Related Routes

Explore other potentially appropriate funding routes.

Business Loans Explore Business Funding
Unsecured Business Loans Explore Unsecured Funding
Growth Guarantee Scheme Explore GGS

Next Step

Considering secured business funding? Start with the requirement.

Complete our Strategic Funding Assessment and tell us what the business needs to achieve, together with the security that may be available. We will consider the structure before deciding what should happen next.

Start Your Funding Assessment Discuss Your Requirement Call 0845 299 6668
Secured borrowing can place property or other assets at risk if repayments are not maintained. The Aftersales Network Limited is a credit broker and not a lender. All funding is subject to status, security, lender criteria and approval.