Secured Business Loans
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Taking out a secured loan for business or commercial purposes can be a viable option for company owners who need to raise cash. The loan is taken out against your home or business premises, allowing you to grow your company or reorganise your finances.
There is also a good chance that you can borrow more money with better terms and at a lower rate than with an unsecured business loan.
Whether you want to invest in property or buy land, or if you want to use a commercial property as security against the loan, we tell you everything you need to know.
Secured loan lenders will accept applications from business owners who want to use the money to inject cash into their company or to settle outstanding tax debts.
Lenders will look to establish your financial situation to ensure that you can afford to repay the loan over the proposed term.
If it is a joint application involving two property owners but only one of them is the business owner, depending on the lender’s criteria, they may be advised to seek independent legal advice to ensure they are happy to proceed.
A common method used by first-time landlords and property investors is to take out a secured loan to raise the money for a deposit.
It’s also an option for existing landlords who can use the equity in their properties to free up extra cash for renovations or refurbishments.
While most lenders tend to have similar eligibility criteria, there can be some differences, such as specific documents related to the property or your finances.
We can guide you through the application process, so feel free to speak with one of our advisors who will tell you exactly what you need to prepare.
Whether you’re a foster carer, receiving tax credits or maintenance, we will try to help
Reduce your outgoings and combine your debts into one monthly payment.
No matter your credit rating we’ll help you find a deal that works for you.
Fast and flexible loans for borrowers who need effective, short-term deals
Semi-commercial properties can also be considered by some specialist lenders, who will usually ask you to provide more detail about how the building is used.
If at least 50% of a property is used for residential purposes, then it will be classed as semi-commercial. A common example are newsagents and off licences which tend to have a flat attached to the premises.
Depending on the lender, and your circumstances, there may be a maximum loan to value limit in place, which will help to balance the risk.
We work with several lenders that will allow you to use a commercial property as security against your loan.
Depending on the lender you choose to apply with, there may be a minimum loan amount and/or a maximum loan to value limit.
Most properties can be considered, although using a care home may present a few more challenges.
However, it may still be possible, and our experienced advisors can help you find a suitable solution if this is the type of property you want to use.
To find out more about using a commercial property as loan security, get in touch with the Willows team today.
Secured loan lenders will allow you to use the funds for any legal purpose, so there are not many restrictions on what you can do with the money.
This includes using the money to purchase land, whether it’s for agricultural, farming or personal reasons.
As with any type of secured loan, you will need to meet the lender’s eligibility criteria. This will involve submitting financial documentation to ensure you can afford the loan, which will be reviewed along with your credit history.
Getting a quote won’t affect your credit score
We’re extremely proud to be rated ‘Excellent’ for our service standards. We’ve helped thousands of customers across the UK over the last 15 years to find the right finance for their needs – no matter how complicated the circumstances. And we look forward to helping you.
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
Finding the right finance doesn’t have to be complicated – so, we’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.
The initial enquiry takes under 2 minutes to request an in-principle loan or mortgage quote.
We compare lenders to provide your best options in minutes with no affect to your credit score.
Happy with your quote – we make completing the process simple and easy for the lender to approve.
We’re here to help every step of the way and ensure you get your money quickly.
The best way to find favourable secured loan deals is to use an independent broker, who can offer you more variety and options to suit your circumstances. At Willows we only search for loans that will work with your finances and can offer support ahead of your affordability assessment and throughout the entire application process.
To find out more about secured business loans, or if you have any questions you need to ask, get in touch with the Willows team on 01656 766 158 and we’ll be more than happy to help.
If you have a question – we’d be happy to talk to you – simply call us…
(Mon-Fri 9am-8pm, Sat 10am-1pm)
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LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
Legal
At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)
This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.
We offer first and second charge regulated mortgage contracts for business or personal use.
Other finance options may include:
Regulatory Status:
We offer an advised mortgage broking service and provide enough information for you to make an informed decision.
We are not independent financial advisers. Free debt advice is available from the Money Advice Service.
You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.
Lenders may also have their own privacy policies which will be provided to you.
We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.
Fee details:
No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.
You will receive a Mortgage Agreement and an ESIS document detailing:
You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.
Missing payments can lead to charges, repossession, and negative impacts on your credit rating.
Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
If you wish to complain, contact us at:
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158
You may be able to refer your complaint to the Financial Ombudsman Service.
We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.
More info: www.fscs.org.uk
After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.
Contact us during this period with any questions. To proceed, sign and return the agreement.
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