Secured Loans for Limited Companies

Gable Business Finance specialises in arranging secured loans for limited companies, partnerships and business owners across England and Wales. We provide tailored lending solutions for businesses with non-standard or complex income and credit profiles, where traditional bank lending may not be available.

We understand that every business is unique. Whether you’re a new start-up, an established company, or a growing enterprise with an unconventional financial structure, Gable Business Finance can help you access secured funding between £3,000 and £1,000,000 secured against residential or business property.

1. What is a Secured Limited Company Loan?

A secured limited company loan is a type of business finance that is backed by property as collateral. This means the lender takes a legal charge (security) over a property — either residential, investment, or semi-commercial — owned by the borrower or guarantor. In exchange, the lender offers a larger loan amount or a lower interest rate than would typically be available through an unsecured loan.

At Gable Business Finance, secured loans for limited companies are available where the combined borrowing (including the existing first mortgage) does not exceed:

• 70% of the residential property’s value (if owner-occupied)
• 65% of the property’s value if it is an investment or semi-commercial property

This structure ensures responsible lending and provides peace of mind for both lender and borrower.

We offer secured lending for limited companies and partnerships, either:

• Secured upon residential property in owner occupation or let on a rental agreement, or
• Secured upon the business property itself, where the business is incorporated as a limited company or limited liability partnership, and the directors or partners are willing to enter into a deed of guarantee.

Lending is available throughout England and Wales (unfortunately, we are not currently able to lend in Scotland or Northern Ireland).

2. The Main Uses of a Secured Loan for a Limited Company

Secured loans are one of the most versatile forms of finance available to UK businesses. Whether you need short-term funding or a long-term investment boost, a secured limited company loan from Gable Business Finance can be tailored to suit your purpose. Typical uses include:

• Working capital support – Boost cash flow during seasonal fluctuations or delays in payments.
• Business expansion – Finance new equipment, larger premises or product development.
• Debt consolidation – Combine existing company debts into a single manageable payment.
• Property refurbishment or purchase – Fund improvements to business premises or investment property.
• Tax and VAT bills – Smooth out temporary liabilities to HMRC.
• Start-up investment – Provide seed funding for new limited companies and LLPs.
• Personal or mixed-use purposes – In some cases, loans can also be used for personal needs if supported by the guarantor’s property.

Gable Business Finance specialises in creating bespoke secured loan packages that align with your business goals, cash flow and repayment capacity.

3. Qualifying for a Secured Loan

Unlike traditional high street lenders, Gable Business Finance looks beyond standard credit scoring and rigid underwriting criteria. We understand that limited companies often have complex income streams, fluctuating revenue, or directors who draw irregular dividends instead of salary.

Our typical eligibility criteria include:

• The borrower must be a limited company, limited liability partnership (LLP), or business owner operating in England or Wales.
• The loan must be secured against property (either residential, investment, or semi-commercial).
• Directors, shareholders, or partners must be willing to sign a personal guarantee supported by their property, unless the business itself owns property suitable for security.
• Combined borrowing (including existing mortgage) should not exceed 70% LTV for residential property or 65% LTV for investment/semi-commercial property.
• Loan size between £3,000 and £1,000,000.
• Loans may be considered for most legal purposes — both business and personal.

We consider new start-ups, businesses with variable income, and those with imperfect credit histories. Our experienced brokers take a practical, case-by-case approach, ensuring each loan proposal reflects the true affordability and security position of the borrower.

4. The Risks of Secured Loans

While secured loans offer flexibility and access to higher borrowing limits, it’s essential to understand the associated risks.

• Property at risk – Because the loan is secured on property, failure to meet repayments could result in repossession or forced sale of the property used as security.
• Personal guarantees – If directors or shareholders sign a deed of guarantee, they are personally liable for the repayment of the loan if the company cannot meet its obligations.
• Variable interest rates – Some secured loans have variable rates, meaning repayments can increase over time.
• Early repayment fees – Depending on the lender and term, early redemption charges may apply.

At Gable Business Finance, we ensure that every client understands these risks before proceeding. Our advisors provide full transparency about terms, costs, and potential outcomes, helping you make an informed decision.

5. How Secured Loans Can Be Accessed for Limited Companies with Bad Credit

Many limited companies struggle to access finance due to adverse credit history, irregular income, or previous financial difficulties. At Gable Business Finance, we specialise in supporting these borrowers through tailored secured lending solutions.

Because the loan is backed by property security and often a director’s personal guarantee, lenders can take a more flexible approach to credit. Even if your business has:

• County Court Judgments (CCJs)
• Previous defaults or arrears
• Declined applications from mainstream lenders
• New or limited trading history

— Gable Business Finance can often still help.

We work with lenders that understand the dynamics of small and medium-sized UK companies, enabling you to unlock equity and raise capital even when traditional options are unavailable.

In some cases, we can also arrange loans where directors or shareholders use their personal residential property as additional security, provided the combined borrowing does not exceed 70% of the property value.

6. Applying with Gable Business Finance for a Secured Limited Company Loan

Applying for a secured loan through Gable Business Finance is straightforward and confidential. We handle every stage of the process, from initial enquiry through to completion, with minimal paperwork and clear communication.

Our process typically involves:

1. Initial Enquiry – Contact us to discuss your business needs, loan purpose, and property details. We’ll give you an early indication of eligibility.
2. Property and Credit Assessment – We’ll conduct a light-touch review of property value, outstanding mortgage, and your company’s financials to structure the proposal.
3. Offer and Terms – Once approved, you’ll receive a detailed loan illustration including rate, term, and repayment details.
4. Security Documentation – The lender will arrange a valuation (where required) and issue the legal charge or guarantee deed for signing.
5. Completion and Funding – Once all documents are signed and checks complete, funds are typically released quickly, directly to your business account.

Why choose Gable Business Finance?

• Specialists in complex and non-standard income borrowers.
• Loans from £3,000 to £1,000,000.
• Secured on residential, investment or semi-commercial property.
• Up to 70% loan-to-value (LTV) for residential security.
• Up to 65% LTV for investment/semi-commercial security.
• Personal service from experienced brokers.
• Lending available throughout England and Wales.

7. Conclusion: Flexible Finance for Forward-Thinking Businesses

Secured loans are a powerful way for limited companies to unlock funding, manage cash flow, and invest in growth. Whether you’re refinancing, expanding, consolidating debts or funding a new venture, Gable Business Finance has the expertise and access to lenders that understand your business and your challenges.

We specialise in helping limited companies with complex income structures or imperfect credit secure the funding they need — with clear, fair terms and a personal service that prioritises your long-term success.

To find out more or get a tailored quotation, contact our team today:

Gable Business Finance – Specialists in Secured Loans for Limited Companies in England & Wales.