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Secured business loans
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Cash flow challenge: I need to borrow more but want lower interest rates.
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Perfect for:Established businesses with valuable assets - including property, equipment, or stock.
Novuna helps businesses secure funding against assets to unlock better rates, larger loans, and longer repayment terms
We compare lenders, explain the terms, and help you apply with full support from a cash flow expert.
Our business loan options
Pages in this SectionWhat is a secured business loan?
A secured business loan allows you to borrow against valuable assets such as property, stock, machinery or vehicles.
Because the loan is backed by collateral, lenders often offer better rates, longer terms, and higher borrowing limits.
Secured loans are commonly used for refinancing, expansion, asset purchases or major investments.
How it works with Novuna Business Cash Flow
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Tell us what you need the loan for
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We compare secured business lenders and terms
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You apply - with our expert support
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Receive funds, secured against agreed assets
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is a secured loan right for you?
You want to borrow a larger amount
Secured loans allow access to higher funding by using assets as collateral.
You need a longer repayment term
They’re ideal for spreading repayments over several years to ease cash flow pressure.
You want lower monthly repayments or interest rates
Offering security typically results in more competitive rates and lower monthly costs.
If that sounds like your situation, we’ll help you compare secured lenders and apply with confidence.
Novuna can support businesses with a range of funding challenges
I want unsecured finance without using assets as security
I’m investing in growth or recruitment
I need short-term cash flow support
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you the best deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises - just honest advice with no hidden fees.
Receive funding that grows with your sales
Accounts receivable factoring is a scalable solution that flexes as your turnover increases.
Why take action now
Secure funding on your terms
Secured loans can unlock more funding with lower costs
Delaying could limit your options or increase rates
We help you find lenders that suit your business assets and goals
Why choose Novuna Business Cash Flow?
Why businesses trust us for secured loans
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
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