Secured Business Loans

Larger Facilities. Lower Rates. Strategic Growth.

Access more substantial funding by leveraging your business or personal assets as collateral, typically with more favourable rates and longer repayment terms than unsecured borrowing.

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About Secured Business Loans

What is a secured business loan?

A secured business loan gives you access to more substantial funding by using your business or personal assets as collateral. This structure typically offers more favourable interest rates and extended repayment terms compared with unsecured borrowing, making it a sound choice for significant capital investment, acquisitions or long-term expansion.

By securing your borrowing against property, equipment or other valuable assets, you demonstrate reduced risk to the lender. That reduced risk translates into enhanced borrowing capacity and improved cost efficiency over the life of the facility.

Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.

Key Features

What you can expect

The headline terms currently available through our secured lending panel.

Loan Amounts

£25,000 to £5 million+, scaled to the value of the assets you're able to offer as security.

Competitive Rates

From 4.5% APR (variable), reflecting the reduced risk a secured facility presents to lenders.

Repayment Terms

1 to 25 years, structured around your business's long-term plans and cashflow.

Securable Assets

Commercial property, residential property, plant and machinery, vehicles or other high-value business assets.

How It Works

Four Clear Steps to Your Funding

We handle the complexity so you can focus on running your business.

Tell Us Your Need

Share what you need the funding for and which assets you may be able to offer as security.

Advisor Assessment

A dedicated adviser reviews your assets, affordability and objectives against our lender panel.

Matched Solutions

We present secured lending options with clearly explained rates, terms and security requirements.

Funding Secured

Once you're happy to proceed, we guide you through valuation, legal steps and drawdown.

Is This the Right Fit?

When to consider a secured loan

This form of financing is particularly well suited to businesses that:

Require significant capital for acquisition, refurbishment or expansion

Own assets that can be used to unlock more favourable lending terms

Have a clear, long-term strategy and prefer predictable, structured repayments

Wish to consolidate existing debt into a single, more manageable facility

Every lender assesses affordability and asset value individually. Speak to an adviser for guidance specific to your business, there's no obligation.

Risk Considerations

What you should know before securing a loan

As a responsible adviser, we believe in full transparency about how secured lending works.

Collateral-Backed Lending

The loan is secured against assets you pledge, such as property, equipment or vehicles. This is what allows for larger amounts and more competitive rates.

Assessing Affordability

We work closely with you to assess affordability and ensure the proposed structure aligns with your cashflow and appetite for risk.

Understanding the Risk

Because the loan is backed by collateral, defaulting on repayments could result in the loss of the asset pledged. We explain this clearly before you proceed.

Why Choose Nexora

Guided from Assessment to Completion.

Our role is to guide you through the entire process, from initial assessment and asset valuation to lender selection and final negotiation, searching across specialist secured lenders and high-street banks for terms that suit your objectives.

Advisor-Led Approach

A dedicated adviser guides you personally, not an automated system.

Honest, Clear Guidance

We explain the trade-offs plainly, including where a product isn't the right fit.

Fast, Confidential Process

We respect your time and privacy throughout the enquiry.

No Obligation

Initial advice is free, with no pressure to proceed.

Speak to an Advisor

Free consultation. No obligation. No hidden fees.

FAQs

Secured business loan questions we're asked often

Commonly commercial property, residential property, plant and machinery, vehicles, or other high-value business assets. An adviser can talk through what your particular assets might support.

Explore other funding routes

A secured loan isn't the right fit for every situation. Here are other options worth considering.

Ready When You Are

Let's Structure the Right Secured Loan for You

Talk to our commercial finance advisers today. It's free, confidential and with no obligation.