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Business Loans

Often when you're starting a new business or growing a business, loan finance can be really useful to help with the costs.

A business loan differs from a personal loan, in that you will need to provide information about your business, its turnover, and its profit.

Business loans can be useful for both your short term or the long term needs, but will involve paying a set amount of interest on a lump sum borrowing amount.

Different loans can be available for different circumstances. It will help to have a clear picture of what you need the money for before you start by comparing business finance loans.

Secured Loans

When you borrow against an asset, it is called secure borrowing and means that you are borrowing against an asset – this could be a business premises, or property.

Your property could be repossessed if you do not keep up with repayments on a secured loan. Therefore, although interest rates can be lower on secured loan, it's beacuse you are taking a risk.

Unsecured loans

An unsecured loan isn't borrowed against an asset, but will be based on your business or personal credit rating. This time the lender is taking a greater share of the risk, this does mean overall interest rate on this type of borrowing is likely to be higher.