Small Business Loans For Bad Credit
We offer secured small business loans with fixed rates for up to 15 years even if your credit history isn’t perfect. Available to both new and existing Limited Companies and LLPs. Whether you're launching a startup or expanding your business, our fast, flexible equity loans can help you move forward with confidence.
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Bad Credit Business Loans For Limited Companies
A secured business loan allows companies for bad credit to take out loan by utilising their property as loan security. Here’s why it might be the right option for your business:
bad credit
Loan Declined For Bad Credit?
Missing mortgage payments, other missed loan payments, CCJ’s (County Court Judgements), bankruptcy etc, perhaps your business is a new start or maybe you haven’t had a track record of credit agreements in the past.
Declined For An Unsecured Loan
Cash Flow Issues
Limited Funding Options
There's a better way to do it
EdgeFlow Captial could provide a viable funding solution for you with a secured business loan
invest in your business
Our Small Business Loan For Bad Credit Can Help
Our secured business loans take into account your current business performance. We look at how you’re doing day to day, which is how you run your business.
Tailored Loan Solutions: We work with you to create a funding solution that suits your business
Higher Loan Acceptance Rate For Qualified Businesses
Predictable Repayment Structure: Fixed Repayments, Fixed Term
Are You Eligible For A Small Business Loan?
Access loan funding from £25,000 to £250,000 within 24 hours of approval. Check your eligibility in less than 5 minutes with no obligation. Apply for in principle offer of funds with no application costs.
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
Small Business Loans For Bad Credit
A secured business loan for bad credit is a type of loan that allows businesses to borrow money by offering an asset—typically property—as loan security. This can make it easier for businesses with poor credit to access funding, as the property reduces the lender's risk. At EdgeFLow Capital, we only accept residential or commercial property owned by the borrower as security, enabling us to help businesses with bad credit obtain the funding they need.
Even if your business has experienced defaults or has a low credit score, a secured loan may still be possible, provided you can offer property as loan security. With our small business loans for bad credit, you could gain access to larger loan amounts and more flexible repayment terms, which would otherwise be difficult to secure.
Why Secured Business Loans Are Ideal for Bad Credit?
For businesses with bad credit, traditional unsecured loans often come with high-interest rates and limited options. However, small business loans for bad credit provide a more accessible solution. By using property as security, lenders are more likely to approve your loan, even if your business has a challenging credit history. This type of financing can give your business the liquidity it needs to grow, cover expenses, or invest in new projects.
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
Benefits of Secured Business Loans for Bad Credit
Choosing a secured business loan for bad credit comes with a range of benefits, particularly for businesses struggling to access traditional finance options:
Larger Loan Amounts:: Secured loans allow businesses to borrow more compared to unsecured loans. The amount you can borrow is based on the value of your property
Lower Interest Rates:: Since the loan is backed by property, lenders typically offer more competitive interest rates, making repayment easier.
Extended Repayment Periods:: Secured loans often come with longer repayment terms, easing monthly financial pressures and allowing your business to manage cash flow more effectively.
Get Started with Secured Business Loans for Bad Credit Today!
We are committed to helping businesses overcome financial challenges by offering small secured business loans for bad credit. If you own a residential or commercial property and need financing, our secured loans provide a pathway to access the funds your business needs.
Applying for a secured business loan for bad credit is easy. Simply fill out our online form with details about your property and business, and one of our loan specialists will contact you to guide you through the process. Whether you're looking to expand, cover operational costs, or refinance existing debts, we’re here to help.
Ready to get started? Apply for a secured business loan now and take the next step toward realising your business vision!
Enquire For FreeSmall 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.
get a free quoteFlexible 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
Yes, EdgeFlow Capital specialises in secured loans for limited companies with bad credit. If you have suitable security such as residential or commercial property, we may still be able to help.
Even with a poor credit history, you may be eligible to borrow between £25,000 and £250,000+, depending on the value and type of property you offer as security.
We only accept residential or commercial property located in England or Wales as security for our loans.
Yes, we regularly assist limited companies that have been turned down elsewhere due to credit issues, as long as they have qualifying property to secure the loan.
Our initial enquiry process does not affect your credit score. A full credit check is only conducted if you proceed with a formal application.
Yes. As long as you can provide suitable property as security, we can work with newly established limited companies.
Yes. Directors or shareholders can offer personal residential or commercial property as security for the business loan.
If the loan is not repaid, the lender may take steps to recover the secured property. We help assess your affordability beforehand to avoid this outcome.
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