Loan Amounts and Funding Terms
Loan terms between 3 months and 30 years with fixed monthly payments
Loan amounts over £2,000
Are you looking to offset low annual profits?
Are you looking to secure loans on residential and/or commercial property?
Are you a UK registered business?
Do you have equity in property or land?
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.
It 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?
Fill out our application form in less than 5 minutes
Your application will be allocated to your dedicated case manager
Your case manager will be in touch within 4 working hours
They will collect all required documents to process your application
You will receive a decision in principle within 48 hours
You will receive your funds within 4-6 weeks of acceptance in most circumstances
The Benefits of Secured Business Loans
Flexible Terms and Borrowing Amounts
Secured business loans are available on terms ranging from 1 to 30 years.
As they are taken on an secured basis, borrowing amounts are restricted to the amount of equity in an asset or property being used as security.
Maximum borrowing amounts are also determined by affordability assessments and credit checks.
All proposals are subject to full underwriting & acceptance.
Increase Chances of Approval
Secured loans are a good option for businesses with poor credit or low profits, as securing loans on assets can improve acceptance rates due to lenders having a way to recoup any monies owed in the event of a default.
For businesses that are finding it difficult to raise the required amount on an unsecured basis, loans secured on assets can increase the maximum loan amount achievable due to the amount of equity available.
Loans on an secured basis use collateral as part of the credit agreement, meaning you are able to release equity held in your assets.
With most lenders releasing up to 85% of the total equity remaining, being able to access this cash can be a vital tool for many businesses.
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.
RLA Capital can offer specially tailored secured loans designed to help your company manage its cash flow more effectively.
View our full range of business finance facilities here
Frequently Asked Questions
Secured vs Unsecured Business Loans
Find out the differences in secured and unsecured business finance.
Unsecured loans are those that are not secured against personal or business assets. Most secured loans are secured against property or business assets.
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What can I use as security for a business loan?
Find out what you can use as security for a secured business loan.
There are range of different types of assets that are eligible to be used as security. How much you can borrow depends on which type of asset you use as security.
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Cash Flow Injection for Small Businesses
All businesses need cash flow to succeed and if your cash flow is running low you will need to look for a cash flow injection.
Effective cash flow management can help you analyse how healthy your cash flow is and look for ways to improve it.
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