Secured Business Loan Calculator
Secured business loans use commercial or residential property as collateral, enabling longer terms and lower rates. Estimate monthly repayments based on the loan-to-value of your security.
Your inputs
Estimated cost
Monthly repayment
£2,967.54
Loan-to-value (LTV)
50.0%
Total interest
£106,105
Total repayable
£356,105
Assumptions used in this calculator
- Most secured business lenders cap LTV at 70-75%.
- Legal and valuation fees typically add 3-6 weeks to completion.
- Your property may be repossessed if you do not keep up with repayments.
Calculator questions
What LTV can I borrow on a secured business loan?
Typically up to 70-75% of the property's open-market value. Specialist lenders may go higher for the right profile.
How long do secured business loans take to complete?
Allow 3-6 weeks for valuation and legal work. Second charges on existing properties can sometimes complete in 2-3 weeks.
How to get secured business loan through Spark Finance
- 1
Complete the free calculator above to understand your estimated monthly repayment.
- 2
Click 'Check your eligibility' to start your full application in under five minutes.
- 3
Spark Finance approaches multiple lenders and presents you with competing offers to compare.
- 4
Accept your preferred offer and funds are typically released within 24-72 hours.
Learn more about secured business loan
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