Secured Business Loans

Larger, longer and more competitively priced business lending, secured against commercial or residential property.

Secured Business Loans

Larger, longer and cheaper borrowing backed by property

Where security is available, pricing improves substantially and criteria loosen. We assess whether charging an asset is worthwhile against the cost and risk of doing so.

We Structure

Why Secured Business Loans Requires the Right Lender

What we arrange

  • Facilities secured by first or second charge over property
  • Higher loan amounts and longer terms than unsecured lending
  • Funding for acquisition, expansion or refinance
  • Options where trading history is limited

Who this is for

  • Business owners with property assets to leverage
  • Companies needing larger facilities than unsecured lending allows
  • Borrowers with imperfect credit but strong security

How London FS helps

Where security is available, pricing improves substantially and criteria loosen. We assess whether charging an asset is worthwhile against the cost and risk of doing so.

Important information

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

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Materially Better Pricing

Security transforms both the rate and the amount available.

Key person

First and Second Charge

Options that leave a favourable existing facility untouched.

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Adverse Credit Considered

Security matters more than history, though it still affects pricing.

Why Choose Us

Why Secured Business Loans with London FS?

Secured Business Loans requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

Where security is available, pricing improves substantially and criteria loosen. We assess whether charging an asset is worthwhile against the cost and risk of doing so.

Timeline

Honest Risk Assessment

Charging your home is a serious step and we will say so plainly.

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Higher Leverage Available

Loan-to-values well beyond what unsecured lending can reach.

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Longer Terms

Repayment spread over years rather than months, easing cash flow.

Our Clients

Who Benefits from Secured Business Loans

Owners With Property Assets

Companies Needing Larger Facilities

Borrowers With Imperfect Credit

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Leverage Property to Fund the Business

Larger, longer and more competitively priced business lending, secured against commercial or residential property.

Our Services

Related Commercial Finance Services

Our Commercial Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

News & Blogs

Latest Financial News & Blogs

FAQ

Frequently Asked Questions on Secured Business Loans

Can I secure against my home?

Yes, though this carries real risk to your property and requires careful consideration and independent advice.

Commonly up to 70% on commercial security and higher on residential.

Less than for unsecured lending, though it still affects pricing.

Commonly up to 70% on commercial security and up to 75% on residential, less second charge borrowing.

Yes, and it avoids disturbing a favourable first-charge rate.

Typically four to eight weeks, driven mainly by valuation and legal work.

Less than for unsecured lending, though it still affects pricing and lender choice.

Most legitimate business purposes including acquisition, expansion, refinance and tax liabilities.

If it is charged, yes. This is a serious decision and we will always set out the alternatives.