Secured & Unsecured Loans

As a UK registered Limited Company (LTD) or Limited Liability Partnership (LLP) there are multiple sources of funding available to lend from £25,000 up to £5 million or more, over any term between 6 months and five years. Sources of funds include peer to peer lenders, high net worth individuals, family offices, funds and institutional lenders, depending on the funding amount required. Loans are available as both secured and unsecured loans, and can be used for any legitimate business purpose including:

  • Working Capital

  • Expansion Capital

  • Asset Finance

  • Property Finance

Loans can be very flexible and structured in a number of different ways, with some lenders offering interest only periods, repayment holidays, or rolling up the loan to be repaid in full at the end of the loan term. One absolute requirement is that you are able to demonstrate your ability to repay the loan in full during the term, and provide sufficient security (or Personal Guarantees) in the event of default.

Annual interest rates are typically in the region of 7% – 13%+ subject to the risk profile of the loan.

Unsecured Loans

Unsecured loans allow you to borrow money for your business without putting up any business assets as security. They are often a quick and easy way to get a cash injection into your business, although they are typically more expensive and shorter term than secured loans.

A personal guarantee will always be required, pledged by the controlling directors, which means that you will be personally responsible for paying back the loan in the event the business is unable to for any reason. You will need to demonstrate that you have sufficient collateral behind you in the event of default (e.g. home owner). Unsecured business loans are typically available from £25K up to £250K.

Secured Loans

A secured loan is appropriate for more mature businesses, who want to raise larger sums often over a longer term. The loan is secured by business assets (e.g. debenture and/or charge over fixed assets or property, etc).
Secured loans range from £50,000 to many millions. The amount you can borrow is dependent on your ability to service the debt, and the type and value of the available security. Personal Guarantees may also be required.


  • Loans from £25,000 upwards
  • Secured loans from £50,000 upwards
  • Interest rates typically between 7% - 13%+
  • Terms between 6 months and 5 years
  • Must be UK registered Limited Company or LLP
  • Minimum of two years trading with one set of filed accounts available
  • Proof of sufficient revenue and profits to service the loan
  • Personal Guarantees (PG) required for all unsecured loans
  • Security required for secured loans. PG’s may be also apply
  • Details of any current outstanding loans and overdrafts required
  • Up to date management accounts and bank statements may be required
  • Arrangement fees and other charges will normally apply

Harting Finance will undertake a ‘funding readiness’ review of your borrowing requirement and your current likelihood of securing any debt. We will advise of any shortcomings before any application is submitted to maximise your chance of success with your application. We will work with you throughout this process and actively approach the most suitable sources of loans on your behalf.

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