Secured Business Loans
What is a secured business loan?
A secured business loan allows your company to borrow larger sums by using an asset — such as property, equipment, or vehicles — as security. This increases your borrowing power and gives you flexibility to use the funds for any business purpose, from expansion to cash flow support.
Secured loans are a practical option when unsecured borrowing limits fall short or when you’re looking to raise capital with minimal disruption to existing credit facilities.
What can the loan be used for?
Funds raised through a secured loan can be used for virtually any business need — including working capital, new equipment, expansion, debt consolidation, or operational improvements.
If you’re unsure whether your requirements qualify, speak to our team and we’ll advise on the best approach.
Some of the benefits:
Fast credit decisions
Flexible underwriting
We assess each business individually, taking a balanced approach to creditworthiness and security.
Keep existing finance arrangements
Competitive loan-to-value ratios
No maximum loan amount
Use for any business purpose
How does it work?
We arrange a secured business loan using a qualifying asset as security — this could be a piece of equipment, a vehicle, or a second charge on property. You repay the loan through fixed monthly instalments over a set term, while continuing to use the asset as normal.
Who is eligible?
To apply for a secured business loan, your business typically needs to:
- Be based in the UK
- Have been trading for at least 12 months
- Own or have access to a suitable asset for security
Every application is considered on a case-by-case basis and we’ll walk you through the process from enquiry to approval.
Choose from a range of tailored finance products, including asset finance, hire purchase, and business loans — all structured to suit your goals.
Our simple online application takes minutes to complete. With fast decisions, flexible terms, and expert support from enquiry to approval.
How does CLS business funding work?
01
Apply in minutes
Our process is fast and straightforward — designed for busy business owners. Just share a few key details about your company and what you need funding for. We’ll do the rest.
02
Access your funds
Once approved, the funds can be used to invest in equipment, manage cash flow, or support business growth. In most cases, decisions are made quickly, and the funding is released within days.
03
Flexible repayments
We offer flexible terms with no early repayment penalties. If your needs change, we can explore top-up options or adjust your agreement as your business grows.
04
Apply Now
Applying won't affect your credit score.