Secured Business Loans – Make Your Property Work For You

Borrow up to £2,000,000 to grow or start your business by using your commercial or residential property as security.

£25k to £2m
Repay over seven years or less
Commercial and residential

What can Property Finance be used for?

Working capital

Boost cash flow and ensure smooth day-to-day operations
with the right amount of working capital.


Boost your brand. Invest in marketing strategies to elevate
your brand’s visibility and reach.

Equipment purchase

Upgrade your gear. Invest in state-of-the-art equipment
that enhances productivity and efficiency.


Stock up for success. Increase your inventory to meet
customer demand and boost sales.

Settling debts

Clear outstanding bills. Use our loan to settle overdue bills
and regain control of your finances.

Emergency repairs

Fix urgent issues. Address critical repairs promptly
to prevent business disruptions.

How it works?


Apply online in minutes

Transform your business in just a few simple minutes with our super easy application form.


Rapid decision

Get your offer almost instantly with our award winning technology.


Accept offer

If you wish to proceed with the agreement, you can sign your documents remotely and effortlessly on any device, anytime.


Receive your funds

You start spending your business loan to reach the potential you’ve always dreamed about.


Flexible repayments

Easy repayments await through fixed, weekly direct debits. Nice and simple, as it should be.

Apply Now

How can Property Finance help?

Low on fixed assets

If your business is low on fixed assets to act as security, you can use a charge against your residential property instead.

Does not fit standard lending criteria

If your business does not fit standard lending criteria or you have experienced historical adverse credit, we still want to hear your story and you could still eligible for Property Finance.

 Start-up capital

your business needs start-up capital, Property Finance could be the answer. Present us with a business plan and cash flow forecasts to be eligible.

What is a Secured Business Loan?

A Secured business loan or property finance is a business loan that uses a residential property, commercial property or property portfolio as collateral. It’s a smart small business funding solution that could provide the capital you need to push forward.

You wouldn’t be alone either – research from the British Business Bank shows these asset-based small business loans have risen in popularity in recent years. There are several types available too, including term loans, bridging loans, and interest-only loans.

Repayment terms vary in length, from short-term business loans of a few months to longer-term options spread over several years. And the best part? Our Property Finance often comes with better business loan rates and is a great alternative to unsecured lending.

What you need to get a property-secured business loan


  • Businesses of any age
  • With residential or commercial property
  • Registered in England or Wales

Required documents

  • Latest 12 months’ business bank statements, preferably via Open Banking
  • Record of recent business accounts
  • Cash flow forecast and business plan for start-ups

We help thousands of UK businesses achieve their goals every year

Apply Now *Applying does not affect your credit score

Getting a business loan can give you the financial support you need in a variety of situations. In fact, as long as your SME loan is spent on your business, we’re pretty flexible about how you use it. Working capital

Over 1/3 of SMEs use finance to boost working capital or cashflow, maintain business as usual or cover gaps in funding

New premises

Could a cash injection help you move to a new location, open an additional store or improve your existing facilities?

Unexpected bills

When disaster strikes or expenses mount up, secured SME funding can get your business back on track

Management buyout

Need to bring about real change? Financial support can facilitate a management buyout or buy-in

Start-up capital

You could use a secured new business loan to cover setup costs and get your idea off the ground


Other common uses of secured business loans include staff hires, training, new stock, equipment and marketing

Larger loan amounts

Offering your property as security can unlock higher amounts of business finance than you might get with less valuable assets or none at all. It’s the perfect business loan if you need to make a significant investment in growth or cover a long-term funding gap.

Better business loan rates

Most UK property finance agreements offer better interest rates as the value of your property means there’s less risk for the lender if you can’t make your repayments. In return, you’ll pay back less overall than with other types of business lending.


Parliament research shows 41% of SMEs don’t think they’d be accepted for a business loan. But with the focus on your asset, property finance is among the best business loans available if you don’t fit standard lending criteria or have a poor credit history. You can also use your residential property if you lack fixed business assets.

Suitable for a range of businesses

The nature of this finance means any company with residential or commercial property can apply for a business loan. It’s not restricted to certain sectors or ages. And with short to mid-term SME finance available, it can suit various business plans and preferences too.

At Nucleus, we combine the financial expertise and credit facilities of traditional banks with the speed and flexibility of an alternative business funding provider. We’ve already lent over £2.8bn to UK SMEs – and yours could be next.

Range of SME funding

Get from £25,000 to £2m to support or grow your business

Fast service

Apply online in minutes and get a quick decision

Flexible business lending

Choose from short to mid-term borrowing options of three months to seven years

Friendly approach

Let our in-house experts guide you through the process

Term loans

Secured, fixed-term UK business loans of up to seven years in length. We’ll transfer your loan in full then collect repayments in manageable monthly instalments. This type of business finance is ideal for borrowing large sums of money, whatever the purpose.

Interest-only loans

Secured, fixed-term loans of up to five years, repaid in monthly interest payments and one large sum in the final month. Due to the minimal monthly repayments, our interest-only UK small business loans are ideal if you need start-up funding or as much free working capital as possible.


Secured business loans are a type of financing where the borrower offers a valuable asset, such as a commercial or residential property, as collateral to the lender. This security reduces the lender’s risk, allowing them to offer more favourable loan terms, such as lower interest rates and higher borrowing limits.

These loans play a crucial role in helping businesses access the funds they need for various purposes, including working capital, growth, and expansion projects, purchasing equipment, or managing unexpected expenses. Secured loans can be particularly beneficial for businesses that may not qualify for unsecured lending due to factors such as a limited credit history or lack of financial stability.

At Nucleus, we offer tailored secured business loans to suit a wide range of businesses and their unique financial needs. Our flexible repayment terms, competitive rates, and expert guidance ensure that our clients receive a financing solution that supports their growth and long term success.

A wide range of businesses across various sectors and at different stages of development can benefit from a secured commercial loan. Nucleus has a proven track record of successful partnerships, and we offer finance to companies of any age. You can see examples of those we’ve worked with in our client stories.

Other examples of businesses that can take particular advantage of this type of funding include:

Tech Startups: Technology companies often require significant initial investment to develop their ideas and bring them to market. We can provide the capital needed for research and development, recruiting top talent, and procuring essential pieces of equipment.

Property Developers: Secured commercial loans can provide property developers with the funds needed for purchasing land, financing construction projects, or refurbishing existing properties. Our competitive rates and flexible terms make it easier for developers to manage their cash flow and complete projects on time and within budget.

Fast Growing Retailers: As retailers experience rapid growth, they may require additional funds to open new stores, enhance the products they offer, or increase their marketing efforts. Nucleus can offer the financial support necessary for these businesses to scale and succeed in a competitive market.

Manufacturing Companies: Businesses in the manufacturing sector typically face large capital expenses, whether for machinery, inventory or new production facilities. We can help these companies secure the capital needed to grow and keep up with increasing demand.

Service Providers: Companies offering services such as consulting, marketing, or professional services can also benefit from our secured commercial loans. These loans can help them invest in new technology, hire additional staff, or expand their client base.

At Nucleus, we understand that every business has unique financial needs and aspirations. That’s why we offer a flexible range of secured business loans to accommodate various requirements. You can apply for a loan amount between £25,000 and £2m, with a loan to value (LTV) ratio of up to 70% for residential properties and 65% for commercial properties. This wide range of funding options ensures you can secure the necessary funds to cover various aspects of your business, be it daily operations or long term growth projects.

For businesses requiring funds for everyday running costs, our secured loans can provide the working capital needed to manage cash flow, pay suppliers, or cover unforeseen expenses. Our competitive rates and flexible repayment terms make it easier for you to manage your financial obligations while focusing on core operations.

If you are looking to support a long term growth project, such as expanding your product line, opening new locations, or investing in marketing campaigns, our facilities can offer the substantial financial backing necessary to pursue these ambitions. With access to larger loan amounts and favourable interest rates, you can confidently invest in growth without compromising financial stability.

While business loans do not technically require ‘money down’, when it comes to a secured loan, you will need to provide a valuable asset as collateral, which may have required prior investments on your part. So although the loan itself does not require an upfront payment, it’s likely that you have made a financial commitment in the past to secure the asset being used as collateral.

If you are lacking assets to secure your loan against, it is always worth exploring other loan options. If you would like to discuss any of our facilities, we ask that you contact us at any time on – 020 7839 1980 – alternatively you can request a call back at a time more convenient to you.

Nucleus aims to offer competitive rates to help enterprises access the funding they need without putting undue financial strain on their operations. By using your commercial or residential property as collateral, you can unlock better loan rates and enjoy more affordable borrowing options.

Our pricing starts at 1% per month for standard secured term loans and interest only loans with a duration of up to five years. These attractive rates can make a significant difference in the overall cost of borrowing, allowing businesses to make the most of their funding.

Secured term loans provide businesses with a fixed repayment schedule and manageable monthly instalments, making them an ideal choice for those looking to borrow large sums of money. Interest only loans, on the other hand, require only monthly interest payments, with the principal amount repaid in one large sum at the end of the loan term. This option can be especially beneficial for businesses that require startup funding or want to maximise their working capital.

Bridging loans can also be secured with interest rates starting at 0.91%. These facilities typically last between one and two years, and are required to be paid off when the loan payment is due in a single ‘bullet payment’.

At Nucleus, our goal is to assist businesses in obtaining the financing they need while keeping costs reasonable. Our flexible and affordable lending options are designed to accommodate the unique financial needs of businesses across various sectors and stages of development.

Determining the overall cost of your property finance depends on various factors, including the specific funding facility you choose from our wide range of offerings. We prioritise transparency and clarity in all of our financial products, ensuring you have a clear understanding of the costs involved from the very beginning.

Regardless of which financing solution you opt for, we will agree on the full cost upfront, and you can trust that there will be no hidden extras or surprises down the line. Our commitment to fair and transparent pricing means you can confidently plan and budget for your loan repayments, making it easier to manage your business finances.

The total amount you repay will depend on factors such as the loan amount, interest rate, term length, and any associated fees. Our friendly in-house experts are always available to guide you through the process, providing you with the information to make informed decisions about your property finance loan.

We offer various financing solutions, and if you would like to discuss any of our options, we encourage you to contact us at any time on – 020 7839 1980 – alternatively you can request a call back at a time convenient to you.

At Nucleus, we understand that time is often of the essence, that’s why we strive to offer quick business loans to help you access the financing you need as soon as possible. Once your property valuation is complete, the process usually takes around two to three weeks to finalise. However, you can help expedite the process by taking a few proactive steps.

Hiring a good solicitor: Engaging a knowledgeable and efficient solicitor can significantly streamline the loan process. They will be able to handle any legal matters related to your loan application, making sure all documentation is accurate and complete, which in turn can help speed up the approval and funding process.

Having all your relevant documents readily available: Ensuring that you have all the necessary documents at hand can save valuable time during the application process. This may include proof of ownership for the property being used as collateral, financial statements, a detailed business plan, and cash flow forecasts. Having these documents readily available will allow our team to assess your application quickly and efficiently, ultimately getting your funds to you sooner.

With Nucleus, you can repay your loan early at no additional cost, as long as you cover the full outstanding balance. This flexibility allows you to manage your finances more effectively and potentially save on interest payments if you’re in a position to pay off your loan ahead of schedule.

Our goal is to provide tailored financial solutions that support your business throughout its growth journey, adapting to your changing requirements. By granting early settlement of your finance agreement without extra charges, we aim to give you full control over your debt, allowing you to make the best monetary decisions possible for your business.

To qualify for UK property finance through Nucleus, you typically need to own residential or commercial property with adequate equity to secure the loan. This ensures that there is sufficient collateral in place, enabling the more favourable loan rates and terms which secured facilities offer.

We understand that not all business owners may have the necessary property ownership to secure a loan. In such cases, we can also consider third-party guarantors with security. A third-party guarantor is someone who agrees to provide their own property as collateral to secure the loan on behalf of the borrower. This option can be beneficial for businesses that do not own property or have insufficient equity in their property but can secure a guarantor with the necessary assets.

The credit score needed for a secured loan varies from case to case and is typically dependent upon specific requirements between lenders. As a standard, business credit scores range from 0 to 100, with higher scores indicating lower risk. A score of 50 and above is generally considered below average risk, while 80-90 is low risk, and 90-100 is very low risk.

Several factors determine your credit score, including payment history, credit utilisation, and the length of credit history. Responsible financial management and a strong credit history will contribute to a good score. Scores below 50 are seen as above average risk but may still meet our criteria.

At Nucleus, we recognise that unforeseen situations can sometimes lead businesses to face challenges. Nevertheless, we evaluate each application individually, taking into account the various factors involved in securing loans. As a result, there could be circumstances where a business owner with a high-risk or lower credit score may still qualify for financing.

While property finance can be an excellent solution for many businesses, it may not be suitable for everyone. Luckily, it’s just one of the various business lending products we offer. From cash advances to our popular Nucleus Business Loans, you can view our full range of business finance solutions.

We can also offer you a tailored combination of multiple products. If you would like to discuss any of our options, we encourage you to contact us at any time on – 020 7839 1980 – alternatively, you can request a call back at a time convenient to you.

Let’s run through a generic example of what a secured business loan might look like.

A restaurant business owner needs £250,000 to fund their expansion plans. They approach Nucleus to apply for a secured business loan using their commercial property as collateral.

Nucleus evaluates the application, taking into account the business’s credit history, financial performance, and business plan. Our expert team works closely with the business owner to understand their situation and unique needs, and provide the best possible financing solution.

A loan agreement’s details might look something like:

  1. Loan Amount: £250,000
  2. Interest Rate: 1.5% per month
  3. Loan Term: 5 years (60 months)
  4. Repayment Structure: Monthly instalments (principal and interest payments)
  5. Collateral: Commercial property

The loan-to-value (LTV) ratio is 65%, meaning the loan amount is 65% of the property’s value that the business owner puts forward as collateral. With Nucleus’s support and the secured business loan, the business owner can confidently proceed with their expansion plans, knowing they have a reliable financial partner to help them achieve success.

Types of Property Finance

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