Secured Business Loans
Larger, longer and more competitively priced business lending, secured against commercial or residential 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.
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.

Materially Better Pricing
Security transforms both the rate and the amount available.

First and Second Charge
Options that leave a favourable existing facility untouched.

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

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

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

Longer Terms
Repayment spread over years rather than months, easing cash flow.
Who Benefits from Secured Business Loans
Owners With Property Assets
Companies Needing Larger Facilities
Borrowers With Imperfect Credit
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Leverage Property to Fund the Business
Larger, longer and more competitively priced business lending, secured against commercial or residential property.
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.
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Useful Financial Tools & Calculator
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.
What loan-to-value is available?
Commonly up to 70% on commercial security and higher on residential.
Does credit history matter?
Less than for unsecured lending, though it still affects pricing.
What loan-to-value is available?
Commonly up to 70% on commercial security and up to 75% on residential, less second charge borrowing.
Can a second charge be used?
Yes, and it avoids disturbing a favourable first-charge rate.
How long does secured lending take?
Typically four to eight weeks, driven mainly by valuation and legal work.
Does adverse credit matter?
Less than for unsecured lending, though it still affects pricing and lender choice.
What can the funds be used for?
Most legitimate business purposes including acquisition, expansion, refinance and tax liabilities.
Is my home at risk?
If it is charged, yes. This is a serious decision and we will always set out the alternatives.
More Specialist Finance Services
Every facility we arrange within Specialist Finance.
- Specialist Finance→
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- Auction Finance→
- Bridging Loans for Care Home Fees→
- Bridging Loans for Commercial Property→
- Bridging Loans for Downsizing→
- Bridging Loans to Buy Land→
- Business Bridging Loans→
- Construction Finance→
- Fast Bridging Loans→
- Large Bridging Loans→
- Property Development Finance→
- Property Refurbishment Finance→
- Which Banks Offer Bridging Loans→
- Commercial Finance→
- Business Loans→
- Commercial Mortgages→
- Equipment Finance→
- Management Buyout Finance→
- Merchant Cash Advance→
- Trade Finance→
- Unsecured Business Loans→
- VAT Loans→
- Working Capital Finance→
- HMO Finance→
- Portfolio Landlord→