Slide 2

Secured Funding

We are here to help you find the right financial option for your business.


V4B Business Finance finds the best deals on secured loans that help businesses to flourish while maintaining cash flow to cover day-to-day expenses.

Secured business funding can be a good option in many circumstances, with certain advantages compared with unsecured loans.

Secured funding can be used for almost any business reason:

The benefits of secured funding include:

What is a secured business loan?

A secured business loan allows you to borrow money in return for offering one or more assets as security.

Collateral as a loan guarantee can come in the form of any high-value assets owned by you or your business. Asset-backed lending is typically secured against commercial or residential property or land, and business equipment and machinery.

If you cannot repay a secured loan, the lender can sell these assets to get their money back.

Collateral can also be money customers owe you. This type of loan is known as work-in-progress (WIP) financing, debtor funding, or invoice finance.

What can a secured business loan be used for?

Secured funding can be used for almost any business purpose, such as:

  • Financing a start-up.
  • Expanding your business.
  • Acquiring another business.
  • Buying new equipment, machinery or vehicles.
  • Property development.
  • Commercial debt consolidation.
  • Partner buy-ins and buy-outs.
  • Spreading the cost of tax bills, including VAT.

How much can you borrow with a secured business loan?

The amount of funding you can get with a secured business loan depends on the value of the business assets and/or personal assets you can offer as collateral.

Money is lent on a loan-to value (LTT) basis – the ratio of the loan against how much your assets are worth.

V4B Business Finance arranges secured loans from £25,000 to £1,000,000, based on 70 percent LTV against residential property and up to 50 percent against commercial assets.

Benefits of a secured business loan

Because secured loans are guaranteed, they’re easier to get than an unsecured loan that requires no collateral. For example, you may be able to get a secured loan if you’ve been turned down for an unsecured loan.

Lenders also tend to be more flexible with requirements and terms because they know they’re not risking their money. This means they typically offer larger loans at lower interest rates, with more time to repay the loan.

A further benefit of a secured loan is that lenders pay less attention to trading history and credit rating. This makes secured funding a good option for a start-up or a business with a less-than-perfect credit history.

Benefits of a V4B Business Finance secured loan

V4B Business Finance has more than 30 years’ experience in brokering secured loans for businesses of all types and sizes.

Applying for a loan won’t damage your credit score, and you’ll get a decision fast. If eligible, your money could be in the bank within 24 hours.

Features of our secured business funding include:

  • Repayment terms from three months to 10 years.
  • Fixed interest rates.
  • No loan arrangement fee.
  • Dedicated account manager.

To discover more about the benefits of a V4B Business Finance secured loan, email or call our customer service team on 01978 668 939.

Or you can apply for a secured business loan now.

If you want to borrow more than your assets are worth, we can find you an unsecured business loan at competitive rates.

Fill out our form below to get started

Apply today for a quick decision

We pride ourselves on thousands of happy clients over 30 years of operation. Our team are experts in building relationships with our clients and providing the best credit options available.

✔ Established in 1991

✔ Thousands of customer success stories

✔ Wide range of credit & finance options available

✔ Borrow from £10,000 to £1,000,000+

✔ Fast Decisions

✔ And more…

Check your eligibility

To apply, your business must have a minimum annual turnover of £250,000 & at least 2 years of trading history.

Applying will not affect your credit rating and our business funding is unsecured, however you should be a homeowner with a good personal/business credit history for maximum chance of approval.