Secured Business Funding

Secured Business Funding icon

Credit4’s Secured Business Funding is designed for growing SMEs, with access to loan amounts of between £75,000 – £250,000, for terms of between 12 months and 5 years.

Whether your business needs longer-term growth funding, or to release cashflow where it is being suppressed by servicing existing high-cost debt, Secured Business Funding offers a flexible solution.

Secured Business Funding is secured against a suitable property of a personal guarantor, this lending is not secured against the business assets.


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How it works


Submit your Secured Business Funding application

Apply and provide supporting information for the level and term of funding based on your business's growth needs, for funding between £75,000 and £250,000 over terms of between 12 months and 5 years.


Application underwritten

We will review the application and information provided and give you an in principle decision (subject to valuation).


Appropriate valuation instructed, received and consent obtained

Upon payment of professional fees, our valuer will value the property being secured, and we will also contact the first charge holder for consent for a second charge.


Offer documentation issued

Subject to satisfactory valuation and receipt of consent, we will finalise our underwrite and issue formal, legal documentation in respect of the funding.


Solicitors instructed & documents reviewed and signed

The documentation will require you to take legal advice and once you have reviewed the document with your solicitor, you will need to sign them and return them to us.


Funding completed and charge registered

After receipt of all the signed documents, we will perform our final checks and confirm you wish to proceed. Once completed we will make arrangements to register our charge.


Proceeds released either to the business or to repay existing debt

At completion we will release the agreed funds (net of agreed fees) to the business bank account, or where some or all of the funds are being used to repay existing debt, we may settle them directly with the other lenders.

Tell us what you need

How it will work

Term Loan (£)



How much it will cost



Total Amount Repayable* £0

*The Secured Business Funding calculator calculates the Total Charge for Credit and Total Amount Repayable based on the information you input in respect of our Secured Business Funding product. In calculating the Total Amount Repayable the following assumptions are made; that the Loan is drawn fully, the arrangement fee is deducted from the loan amount on drawdown, the loan is repaid monthly over the agreed term and all payments are paid when due. It is important that you input the requested information with care as it could have a material impact on the costs calculated and shown. Please view our Representative Examples.

Any questions?

If you’re looking for funding to grow your own small business talk to one of our Relationship Managers.

Call us on 020 3637 0570 or message us below.

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