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If repayments aren’t made, the lender can recover costs through it.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Common types of secured business loans include:\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Property-backed loans\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" – where commercial or residential property is used as security\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-finance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Asset finance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" – funding secured against equipment, vehicles or machinery\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-finance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Invoice finance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" – money advanced against your unpaid invoices\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"904bbd04-5430-5f4a-8465-bbc8ebd549c4","label":"Key features of secured loans","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Secure the loan against an asset to unlock bigger limits and lower rates—subject to valuation and underwriting.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Typical amounts:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" £25k–£20m (case-dependent)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Rates:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Often lower than unsecured (security reduces lender risk)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Security:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" Property, equipment, vehicles, other assets; PG may still apply\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Speed:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" From days to weeks (valuations/legal can extend timelines)\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"904bbd04-5430-5f4a-8465-bbc8ebd549c4"},{"id":"0d0b2620-aeeb-524d-b9c6-29378c409a2d"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"When are secured loans useful?","accordion":{"accordionItem":[{"id":"cf8f6352-2da9-54e2-92d4-0e15dee80d51","label":"Secured loans can suit businesses that:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Need a higher borrowing limit (often £50,000 to £20m)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Want lower interest rates than unsecured options\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Have assets they can use as collateral\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Plan long-term investments like property, equipment or expansion\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"They may not suit businesses without significant assets, or those that prefer to avoid putting property or personal guarantees at risk. See \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/unsecured-business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"unsecured business loans\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" as an alternative.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"cf8f6352-2da9-54e2-92d4-0e15dee80d51"}]}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Is a secured business loan the right choice for your business?","accordion":{"accordionItem":[{"id":"4880518b-2d24-5681-8272-efae9d6cf6a4","label":"Pros and cons of secured business loans","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"table\",\"data\":{},\"content\":[{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Pros\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Cons\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Higher borrowing limits\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Risk of losing assets if repayments fail\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Lower interest rates\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Longer approval process (valuations, legal checks)\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Wider choice of lenders and products\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Some require personal guarantees as well as assets\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Longer repayment terms available\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Costs can rise with arrangement and valuation fees\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Better for businesses with weaker credit\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Asset value must cover the loan\",\"marks\":[],\"data\":{}}]}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"b306c5cb-f0a2-5ff2-a6eb-e13b01bf9014","label":"Secured loans vs unsecured loans","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Secured loans\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" – Higher amounts, lower rates, asset required, longer approval.\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/unsecured-business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"Unsecured loans\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" – Lower amounts, higher rates, faster approval, usually require a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/personal-guarantee-business-loans/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"personal guarantee\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\".\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Choosing depends on how much you need, your credit profile and whether you have assets available.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"4880518b-2d24-5681-8272-efae9d6cf6a4"},{"id":"b306c5cb-f0a2-5ff2-a6eb-e13b01bf9014"}]}},{"title":"What assets can I use for a secured business loan?","descriptionCards":[{"title":"Range of asset types","icon":"Hand holding bag of money","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Fortunately, the majority of lenders will accept a range of tangible and intangible assets as security, making secured business loans an accessible option for a variety of business sectors. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Property, land, and machinery","icon":"Computer and Mobile phone","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Common tangible business assets include, property, land, machinery, equipment, vehicles, accounts receivables.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"\\n\\n\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Intangible assets","icon":"Hand holding coins","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Intangible assets include trademarks, copyrights, intellectual property, licences and patents. You might be able to offer multiple assets or your own personal assets. Keep in mind that a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/personal-guarantees/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"personal guarantee\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" may also be required.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"title":"Estimate your costs today","description":"If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.","calculatorType":"Business loans","sys":{"contentType":{"sys":{"id":"templatesV2SectionCalculator"}}}},{"title":"Common use cases","descriptionCards":[{"title":"Property development or commercial refurbishment","icon":"Hand holding bag of money","description":null},{"title":"Buying expensive equipment or 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