Small Business Loans For Startups
Secured startup business loans with fixed rates and flexible terms. Available to new and existing Limited Companies and LLPs. Back your venture with equity-based funding from £25,000 to £250,000.
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Secured Small Business Loans for Startups
Starting a new business can be a bold but rewarding challenge and securing the right funding is often a key part of that journey. Our secured small business loans for startups are designed for Limited Companies and LLPs that need fast, flexible capital to turn an idea into a functioning business.
Whether you're launching a new product, hiring a team, or securing premises, a property-backed loan can provide the support you need without the limitations of unsecured alternatives. If you own a residential or commercial property with sufficient equity, we can help you unlock its value to fund your startup.
Borrow between £25,000 and £250,000, with decisions typically within 24 hours and no upfront costs or broker fees. Start with a free, no-obligation eligibility check in under 5 minutes.
free no obligation quoteHow our loans can help you
Unleash the potential of your business. Our loans can help you..
Improve Cashflow
Purchase Equipment
Debt Consolidation
Pay HMRC
Pay Wages
Purchase Premises
Are You Eligible For A Secured Business Loan?
If you meet the below criteria you may qualify for our Secured Small Business Loan.
You are a Director of a Limited Company in England or Wales
You own a property that could be used as loan security
You have a business bank account
What our customers are saying...
I'm just emailing to confirm I have now received the funds of £40K into my business bank account. I would just like to say many thanks for all your help with this Business Loan. It has been very much appreciated and will help me to get my business started. I can't wait to get started. Thanks again.
GHU LTD
Startup Loans for Limited Companies and LLPs
New companies often face hurdles in accessing finance due to limited trading history. A secured business loan for startups offers a practical alternative to venture capital or unsecured credit, giving you access to larger funding amounts at competitive fixed rates.
Loans are secured against property — typically up to 70% of its value — and are available to new Limited Companies and LLPs registered in England or Wales. The guarantor must be a property owner and prepared to offer security in the form of a residential or commercial asset.
Using property as security can result in better loan terms, even for companies with no trading history. With no early repayment charges and flexible repayment terms up to 15 years, a secured startup loan can give your business the solid financial foundation it needs to grow.
free no obligation quote£250,000 Max Loan Available
Zero Broker Fees
Secured By Residential or Commerical property
Fixed Rate & Interest Only Loans Available
Loans For Any Business Purpose
Deal Direct With The Lender
Small Business Loan Calculator
Fuel your company’s growth with our secured business loans. With flexible terms, quick approval, and competitive rates, you'll have the support you need to invest in expansion and long-term success
Curious about what a secured loan could look like? Get a rough idea here before you apply. This calculator is for illustrative purposes only.
free no obligation quoteLoan Term: 10 years
Our Small Business Loans can be used for any business purpose
Our Secured Small Business Loans can be used to consolidate existing debts, pay bills including HMRC, buy new stock or equipment or simply for cashflow purposes to cover seasonal demands.
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Flexible Loan Term
Loans may have a possible duration of 3 years up to a maximum of 15 years with the monthly payments fixed for the duration of the loan.
Fixed Interest Rate
On a Fixed Rate which means the interest rate charged will not vary for the loan duration. Interest rate 1.59% per month. 19.08% per annum. 20.84% APR.
No Debenture
No debenture required and no security required over your business assets.
Frequently Asked Questions
EdgeFlow Capital offers secured business loans for startups, allowing Limited Companies and LLPs to access funding by using residential or commercial property as security.
Yes. Even newly incorporated Limited Companies and LLPs can apply, provided a shareholder or director is willing to offer a property as security for the loan.
Acceptable security includes residential homes, buy-to-let properties, or commercial premises located in England or Wales. The owner must be the guarantor of the loan.
Startup businesses can typically borrow between £25,000 and £250,000+, depending on the available equity in the property used as security. In most cases, the loan can go up to 70% of the property’s value.
If the loan repayments aren’t made, the lender may take steps to recover the debt, which can include repossessing the property used as security.
How Our Secured Small Business Loans Work
Our Small Business Loans Tailored For You
Secured Business Loan Representative Example
If you borrow £25,000 over 10 years at an interest rate of 20.8% APR (fixed) you would pay £467.98 per month. The total charge for credit would be £31,157.60. The total amount repayable would be £56,157.60. A lenders legal and admin fee may be payable which would increase the total amount repayable and the APRC. The standard fee is £795 for loans up to £30,000 and £1395 for loans over £30,000.
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT