Secured Business Loans
Secured business finance



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or call us on
01244 389304

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Over 250 funding lines

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Decisions within 48 hours

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Funds within 4 to 8 weeks of acceptance

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Borrow from £2,000

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3 month to 30 year terms


Secured Business Loans


A secured business loan differs from other types of business loans as it is secured against assets, which are used as collateral against the amount borrowed.

The use of secured business finance can be a great option for companies looking to increase borrowing amounts. Secured finance has many uses such as covering shortfalls in cash flow within a business or to increase spending amounts for new purchases.

How to apply for a secured business loan?



  1. Fill out our application form in less than 5 minutes
  2. Your application will be allocated to your dedicated case manager
  3. Your case manager will be in touch within 4 working hours
  4. They will collect all required documents to process your application
  5. You will receive a decision within 48 hours in most circumstances
  6. You will receive your funds within 48 hours of acceptance in most circumstances

Frequently Asked Questions

How long does it take before I get decision on secured loan?

Decisions in principle are made within 48 hours of us receiving your application providing we have the necessary supporting information.

What loan terms are available?

Secured loans are available from 3 months up to 30 years, but the actual term depends on several variables. Please contact us for further information.

What can I use to secure the loan on?

Usually a charge on residential or commercial property is required, but in some cases we can use tangible assets provided you have title of the goods, they are based in the UK and are identifiable.

How long does it take to receive the funds once the application is accepted?

It depends on the case and usually all cases are different. Secured funding is typically completed between 4 and 8 weeks, but this depends on surveyors and legals.

Who decides the value of the assets used to secure the loan?

Depending on the asset being used as security a formal survey will need to be carried out and a valuation report completed. If the security is based on tangible goods, an independent valuation is usually required.

The Benefits of Secured Business Loans

Businesses can benefit from sourcing finance secured on personal and commercial property to offset low annual profits. Many organisations take advantage of finance and loans to allow them to cover shortfalls in funding, to improve efficiency or increase investment.

Many firms are taking longer to free up cash from things such as inventory and unpaid invoices, which in turn can impact on revenue. With a wide range of versatile funding solutions available, we can help source the most suitable funding to meet your needs.

With a wide range of versatile funding solutions available, we can help source the most suitable funding to meet your needs and allow your organisation to adapt and evolve in a timely manner.

There are many benefits associated with the use of secured loans, including


RLA Capital can offer specially tailored secured loans designed to help your company manage its cash flow more effectively.