Secured Loans
Use the assets you already have to unlock larger amounts and better terms.
- Real estate
- ~75–80% of value
- Equipment
- ~80–100% of value
- Receivables
- ~70–90% of eligible invoices
- Inventory
- ~25–50% of value
- Cash & CDs
- Up to ~90–100%
Typical market ranges, not a quote. Actual amounts, rates and terms depend on the lender and your business profile.
How secured loans work
A secured loan is backed by collateral, an asset the lender can claim if the loan isn't repaid. Because the lender's risk is lower, secured loans usually come with higher amounts, lower rates and easier approval than unsecured financing.
The trade-off is that the pledged asset is at risk, so it's important to borrow an amount your cash flow can comfortably repay.
Common options
Real estate
Commercial or investment property used as collateral.
Equipment & vehicles
Machinery, trucks and other business equipment.
Accounts receivable
Outstanding customer invoices.
Inventory
Goods your business holds for sale.
Cash & investments
Savings, CDs or investment accounts.
Best for
- Businesses with valuable assets
- Borrowers who want lower rates
- Larger funding amounts
- Owners whose credit is still being rebuilt
What lenders look at
- Value and type of the collateral
- Cash flow to repay
- Credit history
- Time in business
Frequently asked questions
What happens to my collateral?
You keep using it. The lender places a lien on it and only claims it if the loan goes into default.
How much can I borrow against an asset?
It depends on the asset type and value. Lenders advance a percentage of the collateral's value, which varies by asset.
Is a personal guarantee still required?
Often, yes. Many business loans, secured or not, also ask for a personal guarantee from the owners.
Find the right secured loans for your business
Answer a few quick questions and a funding specialist will match you with the options that fit your business.