Secured Term Loan

A secured business loan is a type of financing where you use an asset, normally property, as collateral.

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Secured Term Loan

Overview

A secured business loan is a type of financing where you use an asset, normally property, as collateral (kind of like a home loan). This reduces the risk for lenders, often resulting in lower interest rates, longer terms and higher loan amounts. It's an attractive choice for businesses looking to fund major projects or expand operations while leveraging their existing assets to reduce repayments.

Cash Flow
Cash Flow Facilities
Asset Finance
Asset and Equipment Finance
Property Finance
Property Finance
Secured Term Loan

Features

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01

Typical Uses

Pros

Cons

Think About

  • Purchasing equipment or machinery
  • Expanding office or retail space
  • Financing large-scale projects
  • Covering cash flow gaps during growth periods
  • Consolidating existing debts
  • Lower interest rates compared to unsecured loans
  • Larger borrowing limits
  • Longer repayment terms
  • Builds credit history if repaid on time
  • You are at risk of losing the asset if you don't keep up with repayments.
  • The application process can be longer and more complex than other loan types.
  • Limited to businesses with suitable assets.
  • Is the value of the collateral worth risking?
  • Will I be able to make timely repayments?
  • Do I understand the loan terms and fees fully?
  • Am I planning to sell the collateral soon?
  • What if I want to pay off the loan early?
Typical Uses
  • Purchasing equipment or machinery
  • Expanding office or retail space
  • Financing large-scale projects
  • Covering cash flow gaps during growth periods
  • Consolidating existing debts
Pros
  • Lower interest rates compared to unsecured loans
  • Larger borrowing limits
  • Longer repayment terms
  • Builds credit history if repaid on time
Cons
  • You are at risk of losing the asset if you don't keep up with repayments.
  • The application process can be longer and more complex than other loan types.
  • Limited to businesses with suitable assets.
Think About
  • Is the value of the collateral worth risking?
  • Will I be able to make timely repayments?
  • Do I understand the loan terms and fees fully?
  • Am I planning to sell the collateral soon?
  • What if I want to pay off the loan early?
Typical Uses
  • Purchasing equipment or machinery
  • Expanding office or retail space
  • Financing large-scale projects
  • Covering cash flow gaps during growth periods
  • Consolidating existing debts
Pros
  • Lower interest rates compared to unsecured loans
  • Larger borrowing limits
  • Longer repayment terms
  • Builds credit history if repaid on time
Cons
  • You are at risk of losing the asset if you don't keep up with repayments.
  • The application process can be longer and more complex than other loan types.
  • Limited to businesses with suitable assets.
Think About
  • Is the value of the collateral worth risking?
  • Will I be able to make timely repayments?
  • Do I understand the loan terms and fees fully?
  • Am I planning to sell the collateral soon?
  • What if I want to pay off the loan early?

Potential Lenders

Further Information

MAXIMUM LOAN AMOUNT

$1,000,000+

MINIMUM LOAN AMOUNT

$10,000

SPEED

Slow

INTEREST RATE

From 7.00%

MAXIMUM LOAN TERM

MINIMUM LOAN TERM

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Requesting a quote has no impact on your Credit Score.

What Sets Us Apart

DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
‍
You’ll need to interpret lender jargon and fine print yourself
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Requesting a quote has no impact on your Credit Score.

How We Help Fuel Your Business Growth

ONE APPLICATION TO 90+ LENDERS

At Valiant, we do the heavy lifting of your loan application. All you need to do is complete one easy form (which takes just 5-10 minutes) or jump on a quick call with one of our specialists.

From there, we use our leading product-matching software to find the right solution for you from over 90+ trusted lenders.

There's no need for endless paperwork or back-and-forth with multiple banks. Thanks to our streamlined process we can help you secure the right deal in as little as 24 hours.
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PERSONALISED SUPPORT

With a team of experienced brokers, we operate across all niches of commercial finance. No matter what your funding needs or business goals are, there's someone at Valiant who can help you.

From the moment you request a quote, you're paired with a broker who'll guide you from application to settlement.

And it doesn't end there. After approval, your broker becomes your go-to partner for future funding needs.
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FAQ's

How much can I borrow on a secured loan?
How do I apply for a secured business loan?
What assets can I use as collateral for a secured business loan?
What’s the difference between a secured and unsecured business loan?

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