Secured Business Finance
What can secured business finance be used for?
Security lowers the lender's risk, which is why secured loans come with the largest sums, the longest terms and the keenest rates. The asset stays in use; the lender simply takes a charge over it.
Raise capital against a freehold or long leasehold you already own, whether it is an office, warehouse, factory, care home or hotel, without selling or moving.
Fund a major fit-out, a new production line or a multi-year expansion plan over a term that matches the life of the investment, not the next twelve months.
Replace a stack of short-term loans, merchant advances and overdrafts with one secured facility and a single, lower monthly payment.
Acquisitions, buying out a partner, or settling a significant liability where an unsecured lender would cap the amount or the term.
How secured finance comes together
Discovery call
Lender terms provided
Funds issued
What lenders look at
Secured term loan, commercial mortgage or second charge?
*Indicative only. Loan-to-value, rates and terms depend on the lender, the asset and your trading position. Commercial mortgages are arranged through our property finance team.
Get secured finance terms
Tell us what you need to raise and the security you have available, and one of our corporate finance advisers will call you back, usually the same working day.
Client Testimonials
Secured Business Finance FAQs
Most commonly commercial property, but lenders will also take security over plant and machinery, stock, debtors and, in some cases, a debenture over the whole business. The stronger and more saleable the security, the better the terms.
Typically up to 70% of the property's value, sometimes more for owner-occupied premises with strong trading behind them. Specialist or trading-dependent property such as care homes and hotels is usually valued on the business as well as the bricks and mortar.
Yes. Releasing equity from a freehold or long leasehold is one of the most common uses of secured finance. The loan can fund investment, consolidate debt or provide working capital, and the property stays in your ownership.
If another lender already holds a charge over the asset, they will usually need to consent to a second charge or be repaid as part of the new facility. We manage that conversation as part of the process.
Usually four to eight weeks, driven mainly by the valuation and legal work. Refinancing an existing facility can be quicker; a first charge on property you have never borrowed against takes longer.
Secured term loans typically run from one to ten years; commercial mortgages up to 25 years. Interest can be fixed or variable, and some lenders offer interest-only periods for larger investments.
Almost always, because the lender's risk is lower. Against that, you should factor in valuation and legal costs and the time it takes to complete. We show you the total cost of each option side by side.
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Why Ramsay & White?
Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.