Secured Business Loans
Where you need a larger amount or a longer repayment period than unsecured lending allows, secured lending can provide the capacity. It uses property or other acceptable security — which means more consequence if repayments are not maintained, and longer timescales due to valuation and legal work.
Typical Uses
- Large practice acquisitions
- Premises investment
- Debt consolidation where appropriate
- Long-term growth capital
Key Considerations
- Valuation and legal costs apply
- Timescales are typically longer than unsecured lending.
- Security means higher consequence if repayments are not maintained.
Frequently Asked Questions
Get answers to the most common questions about our practice finance solutions, application process, and tailored funding options for professional practices.
Do secured loans always have lower rates?
Not automatically. Security can improve lender appetite and pricing — but the total cost, including valuation and legal fees, should be part of the comparison.
How long do secured loans take?
Often weeks rather than days. Valuation and legal work add time that cannot be shortcut.
What security is acceptable?
Typically property; specifics depend on lender.
Do you charge upfront fees?
No.
Can secured loans be used with other facilities?
No.
Can a home be used as security?
Security rules depend on product and borrower type; discuss with PLC and the lender.
Is there a minimum loan size?
Lender dependent.
Can repayments be interest-only?
Sometimes, depending on lender and product.
Can we refinance existing borrowing?
Often yes, subject to lender criteria.
Will you need accounts?
Yes, typically plus asset and security details.
Is approval guaranteed?
No — subject to underwriting and security valuation.
Is this regulated advice?
No — process explanation only.
