Secured & Unsecured Business Loans
SME Finance Solutions
We support businesses across a wide range of SME finance sectors, from asset and vehicle finance to business loans, trade finance, government-backed lending, and invoice finance. Each funding solution is designed to meet a different commercial need, whether that is improving cash flow, funding growth, acquiring equipment, or supporting longer-term investment.
Secured & unsecured business loans
What are they
Secured and unsecured business loans provide access to funding that can be used for a wide variety of business purposes. A secured loan is backed by an asset, such as property or another valuable business asset, while an unsecured loan does not usually require specific security.
Who uses them?
These loans are used by start-ups, established SMEs, directors, business owners, and growing companies across many sectors.
What they are used for?
Business loans are commonly used for:
- working capital
- cash flow support
- expansion plans
- hiring staff
- purchasing stock
- buying equipment
- refinancing existing borrowing
- funding marketing or operational investment
- covering unexpected business costs
Secured loans can often support larger borrowing requirements, while unsecured loans may be suitable for businesses that need straightforward access to funds without offering property or other assets as security.
SME finance Solutions – At a glance
- Asset & vehicle finance – Funding for equipment, machinery, cars, vans, and specialist vehicles, allowing businesses to spread the cost over time.
- Secured & unsecured business loans – Flexible business funding for working capital, growth, investment, and cash flow support, with or without security.
- Trade & supply chain finance – Finance that helps businesses pay suppliers, fund stock, and manage the gap between outgoing payments and incoming customer receipts.
- Government-backed loans – Lending supported by government schemes to help eligible businesses access finance for growth, investment, or stability.
- Buy to let mortgages – Mortgages for residential investment properties intended to generate rental income rather than owner occupation.
- Invoice finance – A way to release cash from unpaid invoices so businesses can improve working capital and maintain day-to-day liquidity.
SME Finance
We support businesses across a wide range of SME finance sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
