Can I obtain a secured business loan through UK Business Loans using property or assets as collateral?

Summary: Yes — UK Business Loans can help you find secured business finance by matching your company with lenders and brokers who accept property or business assets as security. We are an introducer, not a lender, and our free enquiry helps identify lenders able to offer secured loans from around £10,000 upwards. Complete a quick, no‑obligation Free Eligibility Check to get matched and receive tailored quotes.

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Quick answer — can UK Business Loans help me get a secured loan?

Short answer: Yes. UK Business Loans introduces companies to lenders and brokers who specialise in secured business loans — loans where commercial or personal property, plant, vehicles or other business assets are taken as collateral. We do not lend or provide regulated financial advice; instead we match your enquiry to the most appropriate finance partners who can consider secured lending for amounts from around £10,000 and up. Start a Free Eligibility Check and we’ll match you quickly.

What is a secured business loan?

A secured business loan is finance where the borrower pledges an asset — for example, commercial property, freehold/leasehold, equipment, vehicles or stock — as security against the debt. If repayments aren’t made, the secured asset can be enforced by the lender.

Common secured products include commercial mortgages, bridging loans, debentures (a company charge over assets), asset finance (hire purchase, finance lease), and invoice or invoice discounting facilities secured against receivables.

Pros: generally lower interest rates than unsecured loans, larger borrowing amounts and longer terms are often possible.

Cons: higher risk (repossession), more paperwork, legal charges and potentially personal guarantees for directors.

What kinds of property or assets can be used as collateral?

Commercial property

Offices, warehouses, retail premises and industrial units are commonly accepted. Lenders typically lend up to a percentage of the property’s value (Loan‑to‑Value or LTV). Valuation and surveys are required — lenders often accept 60–75% LTV depending on the property, borrower and purpose.

Residential property (as security)

Some lenders will accept residential property (owner‑occupied or buy‑to‑let) as additional security, but this usually attracts stricter scrutiny and may require a higher deposit or lower LTV. If a director offers a personal residence, expect strong checks and possible personal guarantees.

Plant, machinery and vehicles

Asset finance providers and specialist lenders will take equipment, fleet vehicles or machinery as security. Options include hire purchase, finance leases or secured loans. These arrangements often allow funding up to the asset’s value.

Stock, receivables & invoices

Debentures, invoice finance and stock finance let you borrow against inventory and unpaid invoices. This is common for retailers, wholesalers and manufacturing businesses that need working capital.

Practical notes: valuations, professional surveys and legal charges registered at Companies House or the Land Registry are typical. Depending on the asset, lenders may require asset insurance naming them as loss payee.

Who can lend against property or assets?

Providers include high‑street banks (commercial mortgages), specialist commercial lenders, asset finance houses, bridging lenders, and private investors. The lending market is diverse: some lenders specialise in certain sectors (construction, hospitality, agriculture) or asset types (fleet finance, machinery).

Brokers play an important role in accessing specialist lenders and negotiating terms. UK Business Loans works as an introducer to match your enquiry with lenders and brokers who understand your asset type and sector. This saves you time and increases the chance of a suitable offer.

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Note: for information on the broader range of business finance options, see our guide to business finance.

business finance

Will lenders accept property/assets owned personally or by the company?

Yes — lenders may accept either company‑owned or personally owned assets, but legal and practical differences apply. If personal property is offered, lenders usually require a legal charge and may insist on a director’s personal guarantee. If the asset is already mortgaged, lenders will check whether a first or second charge is acceptable and seek consent from existing chargeholders.

Common arrangements: company charge over commercial property; director guarantee secured on a personal residence; inter‑creditor agreements where multiple lenders have security over different assets.

What checks and documents will lenders ask for?

Lenders require evidence that your business can afford the loan and that the security is acceptable. Typical requirements include:

• Company accounts (latest 2–3 years) and management accounts
• Bank statements
• Cashflow forecasts and purpose of funds
• Title deeds or proof of ownership for property or assets
• Valuation or survey of the security
• ID and proof of address for directors
• Details of existing charges, mortgages or outstanding finance
• Business plan for development or expansion lending

Timescales: valuation and legal searches often take several weeks, while specialist underwriting can add time. UK Business Loans’ partners will outline expected timings after an initial enquiry.

Submitting an enquiry via UK Business Loans does not itself trigger a lender credit search — lenders will usually carry out formal credit checks later in the process.

Typical costs, LTVs and terms for secured business loans

Indicative LTVs (approximate): commercial property 60–75% LTV; residential security variable and often lower; asset finance can provide near‑100% funding for equipment via hire purchase or leasing structures.

Rates vary widely depending on lender type, term, asset quality and borrower profile. Bridging lenders may charge higher rates for short‑term facility; mainstream commercial mortgages typically offer lower fixed or variable pricing over longer terms.

Fees to expect: valuation fees, arrangement/underwriting fees, legal fees, possible broker fees, and early repayment charges if applicable. Always treat headline rates as indicative — get a personalised quote.

Risks of secured borrowing

• Repossession risk: default may lead to sale of secured assets.
• Personal guarantees: directors may be personally liable.
• Cross‑collateralisation: multiple debts secured against the same asset can complicate future refinancing or sale.
• Costs and time: legal work and valuations add cost and extend completion time.

Consider independent regulated financial advice for complex decisions or if you are unsure about personal guarantees or cross‑security arrangements.

How UK Business Loans helps you find the right secured loan

Our process is designed to be quick and simple:

1. Complete a short enquiry describing the amount, security type and business details — it takes just a few minutes. Get Quote Now.
2. We match your details to lenders and brokers in our panel who specialise in your collateral and sector.
3. Interested partners contact you directly with eligibility guidance and quotes — you compare offers and decide whether to proceed.

Benefits of using our introducer service:

• Save time — one enquiry reaches multiple relevant providers.
• Access specialist lenders you may not find on your own.
• No upfront cost — our service is free to businesses; we earn when a lender or broker pays for a successful introduction.

Tell us the loan amount, what you can offer as security, turnover and a brief purpose — and we’ll do the rest. Free Eligibility Check

Example real‑world scenarios

Construction contractor: needed £200,000 for a new materials yard and offered an existing warehouse as security. We introduced a specialist commercial mortgage lender that funded a 70% LTV commercial loan with a suitable term.

Retailer: required working capital and used a fleet of delivery vans for asset finance. A panel lender provided hire purchase finance covering the asset cost over a fixed term.

Hospitality operator: short‑term bridging to buy an adjoining property using the business’s freehold as additional security; matched with a bridging lender for a rapid decision.

Frequently Asked Questions

Will applying via UK Business Loans affect my credit score?

No. Submitting an enquiry to UK Business Loans does not itself leave a credit footprint. Lenders or brokers may perform credit checks later in the formal application stage if you choose to proceed with them.

Can I use a mortgaged property as additional security?

Possibly — many lenders accept properties with existing mortgages if the existing lender consents to a further charge. Expect additional legal complexity and possibly inter‑creditor arrangements.

How long does it take to get a secured loan offer?

Timescales vary: bridging decisions can be days to weeks; commercial mortgage approvals and legal completion often take several weeks to a few months, depending on valuation and solicitor timings.

Can limited companies and established SMEs get secured loans?

Yes. UK Business Loans focuses on limited companies and SMEs seeking finance from around £10,000 upwards. We do not handle sole trader or profession‑only enquiries.

Do you charge for introductions?

Our service is free for businesses. We are paid by our lender/broker partners when introductions lead to funded deals; there is no upfront charge to you.

Are the lenders and brokers you introduce regulated?

We introduce a range of providers. Some partners are FCA‑regulated brokers or authorised lenders; others are specialist or private lenders. Any offer and regulatory status is the responsibility of the lender or broker you deal with directly.

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How to prepare before you enquire

Speed up the process by having the following ready:

• Basic company information and turnover
• Estimated loan amount and intended use
• Details of the collateral (address, type, ownership, outstanding mortgages)
• Recent management accounts or bank statements
• ID for directors and proof of address

Having a recent valuation or letting your prospective solicitor be ready can reduce delays once a lender shows interest.

Final next steps & compliance

If you want to explore secured borrowing, the fastest way to start is a short, no‑obligation enquiry. We’ll match your request to lenders and brokers who specialise in the relevant security and sector. Get Quote Now — Free Eligibility Check

Compliance reminder: UK Business Loans is an introducer, not a lender. We do not give regulated financial advice. Any loan offer, its terms, fees and regulatory status are provided by the lender or broker you are introduced to. For regulatory guidance on financial promotions and consumer protection, see the FCA website at fca.org.uk.

© UK Business Loans. We introduce companies to lenders and brokers who may offer secured business finance; we are not a lender and do not provide regulated financial advice.

1) Can I get a secured business loan using property or assets as collateral?
Yes — UK Business Loans introduces companies to lenders and brokers who can provide secured business loans using commercial or personal property, plant, vehicles, stock or invoices as collateral.

2) What types of property or assets can lenders accept as security for a business loan?
Common collateral includes commercial property, residential property (sometimes), plant and machinery, vehicles, stock and receivables (invoice or stock finance), and specialist equipment.

3) How much can I borrow with a secured business loan and what is the typical LTV?
Loan sizes vary widely (from around £10,000 up to millions) and typical LTVs depend on asset type — e.g. commercial property often 60–75% LTV while asset finance can approach the asset’s full value.

4) Will offering my personal property as security make me personally liable?
Possibly — if a director offers personal property lenders often require a legal charge and may also insist on a personal guarantee, increasing personal liability.

5) How long does it usually take to get an offer on a secured loan?
Timescales vary by product — bridging lenders can decide in days to weeks, whereas commercial mortgages and legally complex facilities commonly take several weeks to a few months.

6) Are secured loans cheaper than unsecured loans and what fees should I expect?
Secured loans often have lower interest rates and allow larger amounts or longer terms, but expect fees such as valuations, arrangement and legal fees, broker fees and potential early repayment charges.

7) Can I use a property that already has a mortgage as additional security?
Possibly — many lenders will accept mortgaged property if the existing lender consents to a further charge, though this adds legal complexity and may require inter‑creditor agreements.

8) Will submitting a Free Eligibility Check with UK Business Loans affect my credit score?
No — completing a Free Eligibility Check with UK Business Loans does not leave a credit footprint; formal credit checks are usually carried out later by lenders or brokers if you proceed.

9) What documents and checks will lenders typically request for secured business finance?
Lenders usually request company accounts and management accounts, bank statements, cashflow forecasts, proof of ownership and valuations for the collateral, ID for directors and details of existing charges.

10) How does UK Business Loans help me find the right secured loan and does it cost anything?
UK Business Loans is a free introducer that matches your short enquiry to relevant lenders and brokers who specialise in your asset type and sector, and you only deal directly with partners if you choose to proceed.