Secured & Unsecured Loans

Secured Business Loans

A secured business loan is a form of borrowing backed by an asset, such as property or other acceptable security.

Secured loans may offer access to larger funding amounts, longer repayment terms and competitive interest rates, depending on the security provided and the lender's criteria.

Unsecured Business Loans

An unsecured business loan allows eligible businesses to access funding without pledging a specific asset as security.

These loans are typically assessed based on business performance, trading history, affordability and creditworthiness. Personal guarantees may still be required.

• Business Expansion – Fund growth, new premises or additional business opportunities.
• Working Capital – Support day-to-day operations and ongoing business expenses.
• Cash Flow Management – Help manage short-term financial requirements.
• Equipment & Machinery – Invest in essential assets to improve business operations.
• Stock & Inventory – Purchase additional products, materials or supplies.
• Business Refinancing – Explore options to restructure existing business borrowing. 

Whether you're looking to improve cash flow, invest in growth or secure additional working capital, Phase One Finance is here to help.