Choose Buzz Capital for hassle-free secured business loans.
Give your business a boost with a simple, straightforward finance loan from Buzz Capital.
Discuss your secured business loan needs with Buzz Capital
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Same-day terms agreed and the rapid release of funds to help you complete your project.
Low-interest rates within the market, with competitive rates available!
Go from application to loan within just 28 days, with many loans received in advance of this.
Explore secured business loans today“As an independent TV production company working without guaranteed resources, pulling together a multi party funded project is never easy, and can be stressful. The need for gap financing can only add to that. But from the outset, Buzz were 100% engaged, supportive and most importantly for me, interested in the content I was actually producing! Communication was swift, clear and friendly throughout. The Buzz approach to financing recognises all the challenges the producer is faced with in terms of budget, editorial demand and timescales. I would love to work with them again.”
Repayment terms and interest rates on secured business loans are lower than many other types of small business loans, such as unsecured business loans. This is because they require some form of security reducing the risks to lenders.
Secured business loans are ideal for property bridging loans, R&D tax credit loans, and many other types of loans, depending on your circumstances.
At Buzz Capital, we know how important it is for you to find the right type of loan and terms for your business. Our financial solutions make it easy for business owners like you to budget, with a clear timeline of the terms and when repayments are due.
It is quite simple. Buzz Capital prides itself on delivering exceptional customer service, helping you get the financing you need, when you most need it.
We endeavour to tailor a loan specific to your individual requirements and work with you to find a solution. You will always receive a clear and transparent service.
With generous terms available and lower interest rates, Buzz Capital is the smart choice, the right choice for you.
Get a free, no-obligation quote - it only takes a few minutesYou can have an estimated loan calculation in just 3 easy steps! You’ll get your results immediately and can request a copy to be sent to your email address for future reference.
The property calculator works with many industries including:
See how much you could borrow with the free loan calculator from Buzz Capital
What is a secured business loan?
A loan that is ‘secured’ against some of the valuable assets of your business. For example, for our property finance and development loans, we accept most types of property, machinery or equipment as security against the amount you need as long as we know how we will be repaid.
These loans have fixed interest rates that will not change over the loan term.
Other types of loans we provide — such as our R&D tax credit loans and our VGTR loans — simply give you the tax credit relief your business is entitled to upfront so that you can invest the money now. With the loan amount repaid after you receive your tax credit relief.
How much funding can I get with a secured business loan?
The amount you can borrow depends on the value of the company assets you pledge. We lend up to +75% of the asset value. So if you wanted a loan of £100,000 it would need the backing of an asset worth approximately 25% more than that.
Assets can consist of commercial assets such as land, equipment, vehicles and machinery. Even personal assets such as residential property are considered as security. A personal guarantee might be a requirement if you are a sole trader or your business is a limited liability partnership.
If you are looking for a R&D loan, then we can advance up to 80% of the tax credit claim and 90% for Creative.
How are repayments made?
You’ll repay your secured business loan over an agreed term. Typically, fees and interest rates are rolled up, meaning the interest is included within the gross loan and deducted, leaving a Day 1 advance with no monthly interest payments.
[H3] Is it easy to qualify for a secured business loan?
Compared with unsecured loans, secured business loans are often easier to qualify for. This is because they are of a reduced risk to the lender, offering some form of security thus enabling attractive terms and lower interest rates.
Are my assets at risk if I use them as security for a secured business loan?
Yes. If you fail to meet the terms of repayment, your commercial property or business assets — and your personal assets if you have used them as security may be repossessed to recover the costs of the loan.
Will my business qualify for a secured business loan?
Unlike many British business banks, we don’t require lengthy business plans in order to qualify you for a loan. But you will need to meet the following criteria:
Can my business get a secured business loan even with poor credit?
At Buzz Capital, we work with a variety of businesses to help them secure the cash flow they need to complete projects. You may be eligible for a secured business loan even if you have a poor credit score or bad credit history, so contact Buzz Capital for more information.
How will a secured business loan affect my credit score?
Many lenders will add the record of your secured business loan to your credit file. This may reduce your credit score. However, by continuing to meet the agreed terms and completing repayment of the loan on time will usually have a positive impact on your credit score.
“We approached Buzz Capital to help us raise seed funding for our start-up business. Buzz successfully raised capital for us in the timeline we agreed and were easy to deal with, the process was clear, we always felt we knew what was happening, and they provided support where we needed. We would certainly use Buzz again and would recommend them for other early stage games businesses”
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