Business lending
Secured business loans backed by your assets.
Use commercial property, machinery, vehicles or a company debenture to support larger funding — often at lower cost than unsecured lending. Compare options from one enquiry.
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Compare your options in one short enquiry — it takes about 60 seconds.
Check secured loan optionsFree to enquire · subject to status and provider criteria
- Support larger amounts by securing against property or business assets.
- Often lower pricing than a comparable unsecured facility.
- Terms structured around the asset and your company's plans.
What a secured business loan is
A secured business loan is company term funding backed by an asset — commonly commercial property, but also machinery, vehicles or a debenture (a charge over the business). The security reduces the lender's risk, which can support larger amounts or better pricing.
What can be used as security
Lenders may accept commercial property, high-value equipment or vehicles, or a general charge over company assets. Where security is commercial and the borrower is a company, this is commercial lending rather than a regulated mortgage.
What to weigh up
Secured lending can unlock more funding at lower cost, but it puts the pledged asset at risk if the loan isn't repaid, and arranging it takes longer because the asset must be valued. Our guide compares secured and unsecured routes.
How Muve handles your enquiry
Muve captures a few company details, the security available and your funding need, then reviews and routes the enquiry manually. Lender names and routing rules are not shown on the public page.
Why compare with Muve
- For UK incorporated businesses with assets.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Can support larger amounts than unsecured lending.
- Often lower pricing because the asset reduces lender risk.
- Terms structured around the asset and your plans.
Watch-outs
- The pledged asset is at risk if you don't repay.
- Takes longer to arrange because the asset must be valued.
- Needs suitable commercial security.
What it costs
Secured loans are priced through interest and fees, usually lower than unsecured because the security reduces the lender's risk. Factor in valuation and legal costs alongside the rate.
- The asset offered and its value.
- The amount, term and loan-to-value.
- Valuation, legal and arrangement fees.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- Details of the asset(s) you can offer as security.
- How much you want to borrow.
- Your annual turnover and trading history.
Ready to see which finance routes could fit?
Check secured loan optionsFrequently asked questions
What can I secure the loan against?
Commonly commercial property, machinery, vehicles, or a debenture over the business. What's acceptable depends on the lender, and any facility is subject to status and valuation.
Is this a regulated mortgage?
Where the borrower is a company and the security is commercial, this is commercial lending, not a regulated residential mortgage. We keep to business-only, commercial security.
Can I borrow more than with an unsecured loan?
Often, yes — security reduces the lender's risk, which can support larger amounts and lower pricing. Amounts and terms depend on the asset and the lender.
Who can apply?
Secured business loans through Muve are for UK incorporated businesses — limited companies, PLCs and LLPs.
Written by the Muve editorial team.