If you’re a limited company based in Oldham and looking to borrow against an asset you already own, Regal Business Finance can help you find a secured business loans oldham that actually fits your business not just the first offer that lands in your inbox. We’re an independent business finance provider based right here in Oldham, and we work with a panel of UK lenders to compare secured loan options on your behalf. Whether you need funding for expansion, equipment, property, or working capital, we’ll match you with a lender suited to your circumstances rather than pushing a one-size-fits-all product.
we introduce your company to the right UK lenders quickly and efficiently.
A secured business loan is a type of commercial finance where your company offers an asset property, equipment, vehicles, or even unpaid invoices as collateral in exchange for the loan. Because the lender has that asset to fall back on if repayments stop, secured loans tend to come with lower interest rates, higher borrowing limits, and longer repayment terms than unsecured finance.
For established Oldham businesses that own property or equipment, this is often the most cost-effective way to access larger sums.
Businesses can secure significant funding sometimes into the millions.
Without the higher rates that come with unsecured lending.
Oldham sits within Greater Manchester, home to a genuinely varied business community manufacturers and engineering firms carrying on the town's industrial heritage, retailers, construction contractors, and a growing number of professional services and tech companies. A lot of these businesses own premises, machinery, or vehicles that can be put to work as security.
Machinery and premises used to secure funding for growth or new equipment.
Stock and property offer routes to funding for expansion or larger contracts.
Growing sectors across Oldham using secured finance to scale operations.
We also work with businesses across the wider Greater Manchester area — including Manchester, Rochdale, Bury, and Stockport so if you're just outside Oldham itself, we can still help.
| Secured Business Loan | Unsecured Business Loan | |
|---|---|---|
| Collateral required | Yes | No |
| Typical loan size | £X,000 up to £X million+ | Typically up to £X00,000 |
| Typical rates | Generally lower | Generally higher |
| Term length | 1–25 years | 1–5 years |
| Decision speed | A few weeks (valuation & legal checks) | Often within 24–48 hours |
| Best suited to | Larger amounts, asset-owning businesses | Smaller amounts, quick access |
Lenders typically advance somewhere between 60% and 80% of the asset's value, depending on what's offered and its condition.
Commercial or residential often the strongest option for larger borrowing.
Common among Oldham's manufacturing and engineering businesses.
Vans, HGVs, and company vehicles used as security.
A route some retailers use, though usually at a lower loan-to-value.
Useful if your business has strong receivables but few hard assets.
Not sure what you have that could be used? We'll talk you through it.
Going direct to a single bank means seeing one set of rates and one set of criteria. As an independent broker, we're not tied to any one lender we compare secured loan options across our panel to find terms that genuinely suit your business, rather than whichever product a single lender happens to be pushing that month.
It also means we can usually still help even where a high street bank has said no, since different lenders weigh things like trading history and credit profile differently.
One point of contact, start to finish.
Every lender's criteria is different even businesses with adverse credit history can often still qualify for secured lending, since the asset offered reduces the lender's risk.
Sole traders and partnerships can also be considered on a case-by-case basis.
Property, equipment, vehicles, stock, or invoices to offer as collateral.
Minimum requirement varies by lender speak to us if you're a newer business.
From enquiry to funding, designed to be as fast and straightforward as a secured loan allows.
Tell us how much you're looking to borrow and what you could offer as security.
We match your application against suitable lenders on our panel.
We talk you through rates and terms so you can make an informed decision.
Once paperwork is signed, funds are released typically within X working days.
Secured lending is generally lower-risk than unsecured borrowing, but it's still worth understanding what you're agreeing to.
Repossession risk - the lender can seize and sell the secured asset if repayments aren't kept up.
Negative equity risk - if the asset's value falls, the lender may ask for additional security.
Reduced flexibility - you may need lender consent to sell or modify the secured asset.
Personal guarantees - some lenders still require one alongside the asset security.
Frequently Asked Questions Business Finance UK
The best option really depends on your business the asset you're offering, how much you need, and how quickly you need it. Rather than pointing you toward one product, we compare secured loan options from across our lender panel and recommend whichever fits your circumstances best.
This depends on the value of the asset you're offering and your business's overall financial position, but amounts typically range from £[5,000],000 up to £[5,000,000].
Yes, many lenders will accept residential property, including your own home, as security. This does put the property at risk if repayments aren't met, so it's something we'll talk through carefully with you before you proceed.
Often, yes. Because the loan is backed by an asset, some lenders are more flexible on credit history than they would be for unsecured borrowing. Every case is different, so it's best to speak to us directly.
Oldham is where we're based, but we also arrange secured business loans across Greater Manchester and the wider UK, including Manchester, Rochdale, Bury, and Stockport.
Get a free, no-obligation quote from Regal Business Finance today. No lengthy forms, no pressure.
At Regal Business Finance, we specialise in fast funding introductions for UK Limited Companies connecting your business to the right lenders quickly and simply.
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