Small Business Loans for Retail
Fuel your retail business growth with secured loans backed by property. Perfect for Limited Companies and LLPs seeking reliable, long-term funding.
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Secure Business Loans for Retail Shops
From managing inventory to upgrading your shopfront, retail businesses often face unique financial pressures. Our secured small business loans for retail businesses help you manage those costs confidently.
Use your commercial or residential property equity to access significant funding with low interest rates and flexible terms. This is ideal for retailers needing working capital, store upgrades, or marketing investment.
Get loan offers from £25,000 to £250,000, approved quickly and with zero upfront fees or obligations.
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
Flexible Loans for Independent Retailers and Chains
We support a wide range of retail businesses including fashion shops, convenience stores, electronics outlets, and more. Our secured loans offer fixed interest rates, longer terms, and faster decisions.
Tailored for Limited Companies and LLPs, our products are designed to help you stabilize finances or scale operations, with no dilution of business control.
Apply online today to receive a no-obligation offer in minutes and get funding within 24 hours of approval.
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
Secured business loans are available for retail businesses structured as Limited Companies or LLPs, and may be used for stock, upgrades, or general expenses.
Retail businesses based in England or Wales may apply, provided the loan is secured against suitable residential or commercial property.
Only property — such as homes or commercial buildings — can be used as security. Stock or business assets cannot be used.
Yes. As long as the loan is backed by a qualifying property, new retail businesses may apply.
Loan amounts typically range from £25,000 to £250,000+, depending on available property security and business circumstances.
Residential, investment, and semi-commercial properties located in England or Wales are acceptable, subject to ownership requirements.
If the loan isn’t repaid, the property used as security may be at risk of repossession by the lender.
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