Secured Business Funding for UK SMEs

We specialise in helping UK SMEs access tailored secured business funding solutions that support long term growth, against a backdrop of complex financing needs, or situations where unsecured borrowing may not be an option.

If your business is seeking larger loan amounts, lower interest rates, or longer repayment terms, a secured business loan could be the ideal solution. By using commercial or residential property or other high value business assets as collateral, your business can unlock funding that may not be available through traditional unsecured loan routes.

What is Secured Business Funding?

Secured business finance involves borrowing money against a business or personal asset, such as property, vehicles, or equipment. This gives lenders increased confidence and allows them to offer more favourable terms, including:

  • Loan amounts typically ranging from £50,000 to £10 million+

  • Repayment terms from 1 to 25 years

  • Flexible interest rates depending on asset type, risk profile, and loan term

Whether you're a startup, a growing SME, or a phoenix business in the process of restructuring, secured funding can offer a viable path to sustainable success.

Why Choose Secured Business Funding?

Our secured finance solutions offer a wide range of benefits for business owners who need a reliable, affordable way to access capital:

  • Higher loan values than unsecured options

  • Lower interest rates, reducing the total cost of borrowing

  • Longer repayment periods, easing pressure on cash flow

  • Access to funding even with imperfect credit or limited trading history

  • Ideal for property-backed finance, asset refinance, or growth strategies

Tailored Funding from a Wide Panel of UK Lenders

We work closely with a broad panel of specialist lenders who understand the needs of UK SMEs. Our team will assess your financial goals, evaluate available assets, and match you with the most suitable secured lending products—whether you're after:

  • Short-term working capital

  • Medium-term investment loans

  • Long-term commercial finance (10–25 years)

  • Bridging finance or development finance

Every funding solution we provide is custom-built around your business, ensuring a smooth process from application to drawdown.

Secured Business Funding Frequently Asked Questions

  • You can typically use commercial or residential property, land, vehicles, machinery, or other high-value business assets to secure funding. Our team can advise on the best options based on your circumstances.

  • Loan amounts vary depending on the value of your asset and your business profile. At Tor Business Finance, we can arrange funding from £50,000 to £10 million+, subject to lender criteria.

  • Yes, secured loans are often more accessible for startups, phoenix companies, or businesses with adverse credit, as the asset reduces risk for the lender.

  • The process can take anywhere from 2 to 6 weeks, depending on the complexity of the deal, asset type, and legal requirements. We’ll guide you through every step to keep things moving efficiently.

  • Many lenders allow early repayments, sometimes with a small fee. We’ll help you choose a product with flexible terms if early repayment is important to you.

Let’s Find the Right Funding for Your Business

At Tor Business Finance, our goal is to help you find the most effective and affordable way to finance your business plans. Whether you’re expanding, refinancing, or simply exploring options, we’re here to help you make the right move.

Get in touch today to speak to one of our secured lending specialists and discover how we can support your growth journey.