Long Term Small Business Loans for Growth and Stability

At Providus Trust, we specialise in connecting businesses with reliable funding through secured business loans. By leveraging valuable assets such as property, equipment, or stock, companies can secure higher loan amounts with competitive interest rates and flexible repayment terms. This type of financing is ideal for businesses looking to scale operations, purchase essential equipment, or stabilise cash flow. With our dedicated finance specialists guiding you every step of the way, we ensure a smooth, transparent process. Trust us to provide tailored loan solutions designed to fuel your company’s growth while keeping financial management stress-free.

Our personal approach sets us apart for both short and long-term small business loans. We take the time to understand your business goals, ensuring that every loan package is designed specifically for your operational needs. With clear terms and nothing hidden, we simplify the financing process, so you can focus on growing your business with confidence and peace of mind.

Tailored funding for long-term business loan success

Secured business loans offer a customised financial solution designed for businesses seeking significant funding. By using business assets as collateral, companies unlock larger loan amounts and benefit from more favourable terms. Providus Trust works closely with clients to assess their unique needs, offering repayment plans that fit their business models. This strategic approach allows businesses to expand, invest in growth opportunities and manage operational costs while preserving working capital. Our experienced team ensures a hassle-free application process and timely approval, helping you secure the funds needed for sustained success.

We also provide specialised funding options including both term loans and bridging loans. Term loans offer fixed repayment schedules, ideal for long-term investments like equipment purchases or facility upgrades. Bridging loans provide short-term funding to cover immediate financial gaps, such as acquiring property or managing cash flow while awaiting other financing arrangements.

Why Businesses Choose Secured Loans From Active Business Finance

With a proven track record and industry-leading expertise, Providus Trust is your trusted partner for secured business loans. We offer a tailored approach, competitive rates and personalised service from a dedicated account manager. Our in-depth market knowledge ensures that businesses access the most suitable funding packages quickly and efficiently. We prioritise transparency, providing clear terms with no hidden fees. By choosing us, you gain a financial partner focused on your success, enabling your company to take advantage of growth opportunities with confidence and financial security.

Supporting Businesses of All Sizes

Whether you’re a startup needing early-stage capital or an established enterprise pursuing long-term expansion, Providus Trust can help. We provide long-term small business loans to businesses across various industries, ensuring access to funding regardless of credit history. Companies with valuable assets can strengthen their financial positions through tailored loans designed to fuel sustainable growth. With our client-focused approach, expert financial advice and streamlined process, you’ll receive a funding package that aligns with your business goals, helping you move forward with certainty.

Partner with Providus Trust today and unlock the potential of your business with a long-term small business loan. Contact us now to discuss a custom funding solution designed to drive your success.

What is a secured business loan?

A secured business loan is a loan against a property owned by the business or Director(s). The loan is typically in the form of a 2nd charge behind the mortgage provider up to 70% of the property’s value, or a 1st or 2nd charge on a buy-to-let or commercial property.

Secured loans are also ideal if you’re unable to get an unsecured loan due to poor credit or if the purpose for the funds is not acceptable for other types of finance. For example, unsecured lenders will not fund outstanding HMRC debt but secured lenders will as they have the property as security.

What makes a loan secured, is that the lender will take a charge against the property which entitles them to repossess the property in the event the borrower does not repay the loan. This can be by way of a first charge if there is no mortgage or outstanding debt against the property, or a second charge which sits behind the mortgage on the property.

If you would like a loan secured against assets such as equipment, machinery or vehicles, then please refer to our asset finance page.

Types of Secured Business Loans

There are 2 key types of secured business loans – a term loan and a bridging loan.

Term loan: this is a straightforward ‘normal’ loan with fixed monthly repayments up to 20 years. There are options for both capital and interest and interest-only repayments.

Bridging loan: is up to a maximum 2 years and is ideal for bridging a gap until you are expecting to receive a payment or start a contract etc. A key benefit of a bridging loan is the interest can be retained so that you do not repay anything until the end of the 2 years. This helps free up cash flow as you have no monthly repayments. If you find yourself in a position to repay the loan early, you can do so at anytime and you will only pay interest for the duration of the loan.

How Do I Get a Secured Business Loan?

A secured loan will usually take 4-6 weeks and is mostly dependent on how quickly your Solicitors can process the documents required to release the funds. If you need funds quickly, then an unsecured loan will be a better option.

The lender will just need:

• Type of property
• Address
• Value
• Outstanding mortgage
• Exit route – how will you repay the loan?

The process starts by getting an OIP (Offer in Principle) which is what the lender will offer you assuming the value of the property and outstanding mortgage information you have provided is accurate. We can typically get this within a few hours for you. If you are happy and you would like to proceed, then you just need to pay for a valuation on your property which is around £500-1,000.

Once the property is valued and provided the valuation comes out at or near your estimated valuation, the offer will become a formal offer and it is simply a case of processing the documents to release the funds. If the valuation is less than yours, then the lender can revise the offer up to the equity available in the property which you can then still proceed with if you wish.

At this point, we will require details of your Solicitors for the lender to send the legal documents to. They will also require consent from your mortgage provider for a second charge on the property which is usually not an issue but it is best to apply for this early to allow time for processing.

The Solicitors complete the checklist to release the funds, and once complete, the lender will transfer the funds into your account.