Secured business loans for your bigger moves.
Put an asset behind the deal and unlock larger amounts, sharper rates and longer terms — one application, 80+ lenders.
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No credit-score impactHow much do you need to borrow?
Larger funding, secured against what you already own.
When the plan is bigger — a premises purchase, a major expansion, a large equipment order or a serious working-capital injection — a secured business loan lets you borrow more, for longer, and usually at a sharper rate. X Lend is a finance broker: we take one application and compare it across 80+ banks and non-bank lenders to place a secured facility that matches the size of the move.
Secured means the loan is backed by an asset — commercial or residential property, or business assets you already hold — which gives lenders confidence to lend larger amounts over longer terms. That security is what brings the rate down and the borrowing capacity up compared with an unsecured facility.
Because we compare the whole panel, we can weigh which lenders value your security most generously and structure repayments around how your business actually trades. We explain the rate, term and what's being secured in plain English, and only lodge once you're ready.
Why arrange a secured loan with X Lend.
Higher borrowing amounts
Backing the loan with an asset lets lenders extend far larger sums than an unsecured facility.
Sharper rates
Security lowers the lender's risk, and that usually flows through to a keener interest rate.
Longer terms
Spread repayments over a longer period so a big-ticket purchase sits comfortably in cashflow.
80+ lenders, one application
We compare banks and specialist non-bank lenders to see who values your security most.
Property or business assets
Secure against commercial or residential property, or against assets the business already owns.
Structured around your trade
Repayments and terms matched to how the money comes in, not a one-size-fits-all template.
What you can use it for.
A secured loan suits the larger, longer-term moves. Businesses use it to fund:
- Buying or fitting out new premises
- Major expansion and new sites
- Large equipment and machinery purchases
- Acquiring another business
- Substantial working-capital injections
- Refinancing and consolidating business debt
- Property improvements and developments
- Funding a large, planned growth project
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your secured business loan with the best fit.
Commonly commercial or residential property, or business assets you already own such as equipment. We match the security you can offer to the lenders who value it most.
Offering security typically unlocks higher amounts, longer terms and sharper rates. It suits larger, planned funding needs where you want repayments spread over time.
That depends on the value of your security, your turnover and trading history. Because we compare 80+ lenders, we'll give you a realistic figure before you apply.
There's usually a valuation and security step, so it can take a little longer than an unsecured loan. We manage the process and keep you posted at each stage.