{"id":36762,"date":"2022-08-30T12:07:31","date_gmt":"2022-08-30T12:07:31","guid":{"rendered":"https:\/\/swoopfunding.com\/na\/?page_id=36762"},"modified":"2025-08-08T13:38:44","modified_gmt":"2025-08-08T13:38:44","slug":"secured-business-loans-2","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/na\/business-loans\/secured-business-loans\/","title":{"rendered":"Secured business loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"36762\" class=\"elementor elementor-36762\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1e67bb e-flex e-con-boxed e-con e-parent\" data-id=\"b1e67bb\" data-element_type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e5ceb3 e-con-full e-flex e-con e-child\" data-id=\"5e5ceb3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc6b10a elementor-widget elementor-widget-heading\" data-id=\"bc6b10a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Secured business loans<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e26729d elementor-widget elementor-widget-text-editor\" data-id=\"e26729d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center\">A secured business loan allows to you to access finance by offering up an asset such as property as security against the amount you borrow<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c729447 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c729447\" data-element_type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-84d92d4\" data-id=\"84d92d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-147eb4a uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"147eb4a\" data-element_type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abee6ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abee6ce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a175318\" data-id=\"a175318\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f18f4df elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"f18f4df\" data-element_type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9669273 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"9669273\" data-element_type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Secured business loans\",\n          \n          \"datePublished\": \"2022-08-30T12:07:31+00:00\",\n          \"dateModified\": \"2025-08-08T13:38:44+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Alastair Woods\",\n              \"url\": \"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"Alastair Woods\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\">Alastair Woods<\/a>. <span>Last reviewed on August 8, 2025<\/span>. <span>Next review due 2026.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Alastair Woods<\/div>\n <div class=\"role-user\">South Africa Lead<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bebe411 elementor-widget elementor-widget-text-editor\" data-id=\"bebe411\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re a Namibian business with assets and you\u2019re looking for capital to grow, then securing a business loan against one or more your assets could be the ideal way to raise the funding you need. By taking security, the lender is much less likely to lose money should you fail to keep up the repayments. This means you will be more likely to be approved for a secured loan, as well as be offered lower interest rates, longer terms, and larger loans for your business. Between the banks and the\u00a0<a href=\"https:\/\/swoopfunding.com\/na\/knowledge-hub\/alternative-finance\/\">alternative finance<\/a> market, there is a broad range of lenders in Namibia, each offering a variety of lending products.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f2bdd2 question elementor-widget elementor-widget-heading\" data-id=\"6f2bdd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a secured business loan?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbcf59e answer elementor-widget elementor-widget-text-editor\" data-id=\"dbcf59e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A secured business loan allows you to use an asset \u2013 or the total value of multiple assets \u2013 as security against the amount you borrow. The lender uses your asset(s) as a form of guarantee and is therefore often able to offer better repayment terms than you\u2019d find with an unsecured loan.\u00a0<\/p><p>Business loans are typically secured against property, equipment, machinery or land \u2013 but lenders might use any high-value assets that either you or your business might own. There are other types of secured lending though. For example,\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/\">invoice finance<\/a>\u00a0allows you to use your invoices and accounts receivable (i.e. money owed to your business) as security for a loan.\u00a0<\/p><p>With a secured loan, the security reduces the risk for lenders, therefore increasing your chances of getting a loan, but also allowing you to borrow more money, for a longer term \u2013 and you\u2019ll be offered better interest rates compared to those for an unsecured loan.<\/p><p>If you\u2019re looking to grow your business, perhaps by investing in new equipment or taking on additional staff, there are many banks and non-traditional (<a href=\"https:\/\/swoopfunding.com\/na\/knowledge-hub\/alternative-finance\/\">alternative finance<\/a>) lenders who can offer your business funds. If you like the idea of fixed, monthly repayments within an agreed time frame, a business loan (whether secured or unsecured) could be your best option.<\/p><p>Secured lending is also known as\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/knowledge-hub\/asset-based-lending\/\">asset-backed lending<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43a052d uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"43a052d\" data-element_type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c32614 elementor-widget elementor-widget-ucaddon_a_word_from_andrea\" data-id=\"7c32614\" data-element_type=\"widget\" data-widget_type=\"ucaddon_a_word_from_andrea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div class=\"word-from-andrea\">\n <div class=\"left-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/na\/wp-content\/themes\/swoopMW50\/assets\/images\/andrea.webp\" alt=\"Andrea Reynolds, Swoop\u2019s CEO & Co-Founder\" width=\"136\" height=\"136\">\n <div class=\"position\"><strong>Andrea Reynolds<\/strong><br>Swoop\u2019s CEO & Co-Founder<\/div>\n <\/div>\n <div class=\"right-info\">\n <p class=\"title-module\">A word from Andrea<\/p>\n <div class=\"description\">\n <p><em>\"A secured business loan allows you to use an asset, or the total value of multiple assets, as security against the amount you borrow. The lender uses your asset as a form of guarantee and is therefore able to offer better repayment terms than you\u2019d find with an unsecured loan. By taking security, the lender is much less likely to lose money should you fail to keep up the repayments, meaning you will be more likely to be approved for a secured loan, as well as be offered lower interest rates, longer terms, and larger loans for your business.\"<\/em><\/p> <\/div>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf7a61 question elementor-widget elementor-widget-heading\" data-id=\"bcf7a61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do secured business loans work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f07e132 answer elementor-widget elementor-widget-text-editor\" data-id=\"f07e132\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Secured business loans work in very similar ways to most\u00a0other types of business lending. The lender will agree to lend your business a certain amount, based on your needs and how much security you can put up to guarantee the loan.\u00a0<\/p><p>(This is in contrast to an\u00a0unsecured business loan, where the lender will typically specify the loan amount as a multiple of your annual business turnover.)\u00a0<\/p><p>The process is a bit like applying for a mortgage and may take several weeks, depending on the complexity of your situation \u2013 the lender will have to value any assets you\u2019re putting up as security. In addition, if you\u2019re using property as security, the lender is likely to place a legal charge on the property.<\/p><p>You receive your cash and subsequently repay your loan in monthly instalments over a fixed time frame. You can choose to take out a <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/short-term-loans\/\">short-term loan<\/a> or medium\/long-term loan (i.e. \u2018term\u2019 loan), depending on your business needs.<\/p><p>If you fail to make the repayments, the lender might claim ownership of the assets that you put up as security and use this to recover the funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec62274 question elementor-widget elementor-widget-heading\" data-id=\"ec62274\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Secured business loan example\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bca9034 answer elementor-widget elementor-widget-text-editor\" data-id=\"bca9034\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Here\u2019s a simple example of a secured loan:<\/p><ul><li>You apply for a loan for N$200,000 and offer the lender your commercial property as security against the loan.<\/li><li>The lender assesses the application and gives a conditional offer, reliant on an independent valuation confirming the property\u2019s value and suitability as security<\/li><li>You pay an upfront fee to cover the lender\u2019s costs in valuing your asset (the property) as well as any legal fees should the lender want to place a charge on the property.<\/li><li>The lender duly values your asset as higher than the value of the loan.<\/li><li>You agree to pay a fixed interest rate of 5%, and to repay in monthly instalments over 60 months of N$3,774.25.<\/li><li>The total interest you pay will be N$26,454.76.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8db573b elementor-widget elementor-widget-heading\" data-id=\"8db573b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the pros and cons of a secured business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89f31f6 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"89f31f6\" data-element_type=\"widget\" data-widget_type=\"ucaddon_pros.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"pros\">\n <div class=\"header-pro\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/na\/wp-content\/themes\/swoopMW50\/assets\/images\/pros.svg\" width=\"72\" height=\"72\" alt=\"Pros\">\n <p class=\"title\">Pros<\/p>\n <\/div>\n <div class=\"content-pro\">\n <p>If you offer assets as security against a loan, lenders take on less risk than they would with an unsecured loan, increasing your chances of being approved if you\u2019ve been declined for an unsecured loan. Security also means lenders are more likely to lend larger amounts, over longer time periods, and at lower interest rates..<\/p>\n<p>Here\u2019s a bit more detail:<\/p>\n<ul>\n<li><strong>Interest rates are lower\u00a0<\/strong>\u2013 the main advantage of offering assets as security is that you\u2019ll find secured business loans are cheaper than unsecured loans and many other types of business borrowing. This is because lenders have a strong secondary source of repayment and so the risk of them losing money is reduced<strong>\u00a0<\/strong><\/li>\n<li><strong>You can usually borrow more<\/strong>\u00a0\u2013 the amount you can borrow depends on the value of the asset(s) you put up as security against your loan. You might even be able to borrow 100% of the net value of these assets.<\/li>\n<li><strong>Repayment terms are longer\u00a0<\/strong>\u2013 if you\u2019re allowed to repay your loan over a longer period of time, your monthly payments will be lower. This eases the burden on your cash flow so that you can focus on growing your business.<\/li>\n<li><strong>You don\u2019t need a solid trading history<\/strong>\u00a0<strong>or good credit history<\/strong>\u00a0\u2013 there\u2019s less need for you to have a good trading history or a good credit history (credit file\/report \u2013 they mean the same thing), because any assets you use are a form of guarantee for the lender. This makes secured loans a good option for a startup without any annual accounts or trading history, or for a business with a less-than-perfect credit history. Lenders will take a view on any previous problems but they might require a director\u2019s personal guarantee as an additional form of security.<\/li>\n<\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44aa97d elementor-widget elementor-widget-ucaddon_cons\" data-id=\"44aa97d\" data-element_type=\"widget\" data-widget_type=\"ucaddon_cons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"cons\">\n <div class=\"header-cons\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/na\/wp-content\/themes\/swoopMW50\/assets\/images\/cons.svg\" width=\"72\" height=\"72\" alt=\"Cons\">\n <p class=\"title\">Cons<\/p>\n <\/div>\n <div class=\"content-cons\">\n <p>These aren\u2019t all exactly \u2018cons\u2019 \u2013 rather they\u2019re \u2018things to consider\u2019 before you take out an unsecured business loan:<\/p>\n<ul>\n<li>You\u2019ll need to have assets in your business that you\u2019re willing to put up as security \u2013 this won\u2019t suit all businesses.<\/li>\n<li>If you can\u2019t repay your secured loan, the lender can sell the asset(s) to recoup the cost of the loan.<\/li>\n<li>You\u2019ll most likely have to pay money upfront \u2013 valuation fees and also legal fees if the lender places a legal charge on your property. If the valuation isn\u2019t favourable, your loan might be declined or smaller than you need but you\u2019ll still have paid the valuation fee.<\/li>\n<li>It\u2019ll take longer (possibly weeks) to access funds, compared to other types of financing, because you\u2019ll have to wait for the lender to complete the due diligence processes.<\/li>\n<li>If you\u2019re borrowing over a longer term, you should consider the total cost of the loan. Even if the interest rate is low, borrowing costs can mount up over the long term.<\/li>\n<\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71b0f8e question elementor-widget elementor-widget-heading\" data-id=\"71b0f8e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do I need to qualify?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc7557 answer elementor-widget elementor-widget-text-editor\" data-id=\"8dc7557\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The criteria in Namibia for a secured business loan tend to be more relaxed than those for unsecured lending, though requirements will vary between lenders.<\/p><p>If you or your business owns any high-value assets you\u2019re likely to be eligible for a secured business loan, especially if you\u2019re prepared to put up business or personal property as security against the loan.<\/p><p>A lender will assess the value of the asset \u2013 or assets \u2013 and will want to know what you\u2019re borrowing the money for. They will also check the trading history of your business. If you\u2019re a startup with no or minimal trading history they will take a view \u2013 it\u2019s your assets they care more about.\u00a0<\/p><p>Lenders will take a view on previous credit problems, but if you have a poor credit history you\u2019ll still need to demonstrate that the primary source of repayment i.e. the business is viable and able to service the loan<\/p><p>Your business also needs to have been registered within Namibia for at least three months.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-033766f question elementor-widget elementor-widget-heading\" data-id=\"033766f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can I borrow?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90ba40d answer elementor-widget elementor-widget-text-editor\" data-id=\"90ba40d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In theory, you can borrow up to 100% of the value of the asset(s) you\u2019re using as security. These assets are usually commercial property, equipment or land. Some lenders will consider a net value of multiple assets including, for example, your personal assets such as your residential property, car or shares.\u00a0<\/p><p>In practice, requests are typically 50-70% of the value of the asset(s). So, depending on the value of your asset(s) you could access a secured business loan from N$5,000 to N$5m.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64f1eb0 question elementor-widget elementor-widget-heading\" data-id=\"64f1eb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Secured vs. unsecured business loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ed267d answer elementor-widget elementor-widget-text-editor\" data-id=\"1ed267d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A secured loan uses your assets as security. Usually these assets are tangible items such as commercial property, machinery or vehicles, but there are other types of secured lending. For example, with\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/\">invoice finance<\/a>, you\u2019d use your trade debtors as security.<\/p><p>If you can\u2019t repay your secured loan, the lender can sell the assets to recoup the cost of the loan, which reduces their risk.\u00a0<\/p><p>With an <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/unsecured-business-loans\/\">unsecured loan<\/a>, on the other hand, the lender has no security and therefore cares much more about your business profile, for example, your business turnover, trading history and credit score. The lender may also look at your personal credit history and personal assets, and might ask for a personal guarantee.\u00a0<\/p><p>Secured lending is usually cheaper (i.e. interest rates are lower) than unsecured lending because the lender is taking on less risk. Lenders might also offer longer terms and larger amounts.\u00a0<\/p><p>Unsecured business loans\u00a0are usually simpler and quicker to arrange, compared to\u00a0secured loans,\u00a0because there\u2019s no need for the lender to inspect or value any assets. These valuations may involve legal costs, which you\u2019ll have to pay upfront with a secured loan. By contrast, an unsecured loan doesn\u2019t usually involve any upfront costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48d6050 question elementor-widget elementor-widget-heading\" data-id=\"48d6050\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are secured loans easier to get than unsecured loans?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74f8c6f answer elementor-widget elementor-widget-text-editor\" data-id=\"74f8c6f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If by \u2018easier\u2019 you mean more accessible, then yes, as long as you have assets to secure against the loan. From the lender\u2019s perspective, there\u2019s less need for you to have a good trading history or a good credit history, because any assets you use are a form of guarantee for the lender.\u00a0<\/p><p>Lenders will take a view on previous credit problems, but if you have a poor credit history you\u2019ll need to demonstrate a sustained period of growth.<\/p><p>This makes secured loans a good option for a startup without any annual accounts or trading history, or a business with a poor credit history.<\/p><p>To qualify, your business needs to have been registered within Namibia for at least three months and needs to own a high-value asset that you can put up as security against the loan.\u00a0<\/p><p>The criteria for a secured business loan tend to be more relaxed than those for unsecured lending, though requirements will vary between lenders.\u00a0<\/p><p>\u2018Easier\u2019 does not equate to \u2018quicker\u2019 though. If you\u2019re applying for a secured loan it may take considerably longer (possibly weeks) to access funds, compared with secured lending or other types of financing, because you\u2019ll have to wait for the lender to complete any valuation and possibly organise any legal charges on property.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2704403 question elementor-widget elementor-widget-heading\" data-id=\"2704403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Are my business assets at risk?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3760e4c answer elementor-widget elementor-widget-text-editor\" data-id=\"3760e4c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. If you\u2019re securing the loan against any of your assets, and you fail to keep up with the repayments as agreed with the lender, you may lose these assets.\u00a0<\/p>\n<p>In addition, if you\u2019re a director offering a personal guarantee (i.e. offering personal assets such as your home as security) and your business then fails to make repayments, you become personally liable for paying off the debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f08d65 question elementor-widget elementor-widget-heading\" data-id=\"3f08d65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is a small business loan secured or unsecured?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f5d760 answer elementor-widget elementor-widget-text-editor\" data-id=\"0f5d760\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It can be either. It\u2019s for you to decide whether you want to use any of your assets as security against your borrowing.<\/p><p>If you want to borrow more than your assets are worth, or you\u2019d prefer not to offer specific assets as security, you might choose an unsecured business loan. Once a lender agrees to the loan, you\u2019ll get your cash fast and you\u2019re unlikely to have to pay any upfront costs \u2013 but you\u2019ll probably pay a higher interest rate and you\u2019ll need to demonstrate a good track record.\u00a0<\/p><p>A secured loan, on the other hand, will most likely be the cheaper option, though it\u2019ll take longer to arrange (assets need to be valued).\u00a0<a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/small-business-loans\/\">If you\u2019re a small business<\/a>\u00a0or a startup and you don\u2019t have a solid trading history or a good credit rating, you might have more success with a secured loan.\u00a0<\/p><p>Between the banks and the alternative finance market, there is a broad range of lenders, each offering a variety of lending products.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-457972e question elementor-widget elementor-widget-heading\" data-id=\"457972e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What can be used as security for a business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6051bc5 answer elementor-widget elementor-widget-text-editor\" data-id=\"6051bc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can use almost anything as security to guarantee a business loan in Namibia, as long as it has value.\u00a0<\/p><p>Lenders prefer assets that can easily be resold, hold their value well, are important to your business and are more valuable than the amount you want to borrow. This should be no surprise since the point of a secured loan is that the lender can use the security to recoup losses if you default on the loan.\u00a0<\/p><p>When lenders value a business\u2019s security for a secured loan, they will look at how \u2018encumbered\u2019 the security is (i.e. do you own it 100% or are there other parties involved?).\u00a0<\/p><p><strong>In practice, you can use any valuable asset as security for a business loan for example:<\/strong><\/p><ul><li>Commercial property (e.g. offices, warehouses, shops)<\/li><li>Commercial vehicles (e.g. trucks, vans, cars)<\/li><li><a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/heavy-equipment-finance\/\">Heavy machinery<\/a> (e.g. plant machinery, printing presses).\u00a0<\/li><\/ul><p>These are known as\u00a0hard assets. Some lenders might also accept soft assets, for example, unsold stock in your warehouse.\u00a0<\/p><p>Some lenders will consider a net value of multiple assets including, for example, your personal assets such as your residential property, car or shares.\u00a0<\/p><p>Some lenders allow you to use cash as security. Be aware, however, that cash-secured business loans usually have different terms attached, compared with loans secured with property.<\/p><p>Lenders might also require a personal guarantee as an additional form of security.<\/p><p>In addition to secured business loans, you might also want to consider\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/\">invoice finance<\/a>\u00a0(borrowing using your unpaid invoices as security) or\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/\">asset finance<\/a>\u00a0(borrowing against assets on your balance sheet)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3022302 question elementor-widget elementor-widget-heading\" data-id=\"3022302\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I secure a business loan against property?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c66c412 answer elementor-widget elementor-widget-text-editor\" data-id=\"c66c412\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can use almost anything as security to guarantee a business loan, as long as it has value. Commercial property is commonly used, and some lenders will accept personal residential property (or other personal assets) as security.\u00a0<\/p>\n<p>When lenders value a business\u2019s security for a secured loan, they will look at how \u2018encumbered\u2019 the security is (i.e. do you own it 100% or are there other parties involved?).\u00a0 Lenders might in addition ask for a personal guarantee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b5cf6 question elementor-widget elementor-widget-heading\" data-id=\"45b5cf6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legal charge vs. equitable charge<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef6fbd answer elementor-widget elementor-widget-text-editor\" data-id=\"6ef6fbd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re offering commercial property (or land) as security, and it has an existing mortgage, the lender may register a legal or equitable charge.\u00a0<\/p><p>A\u00a0legal charge\u00a0is an actual legal interest in property (or land), rather like a right of way. It gives the lender the power of sale if you fail to keep up the loan repayments. However, the lender will require consent from your existing lender (for example, your mortgage provider) and this consent may not be forthcoming. It can take several weeks for the lender to register a legal charge \u2013 and this means you\u2019ll have to wait for the funds.\u00a0<\/p><p>You\u2019ll get funds much faster (within hours of the loan being approved) if the lender registers an equitable charge over your property without the consent of your mortgage provider. Although the lender does not gain the power of sale over the property (though they could go to court and obtain an order for sale based on their equitable charge), they do gain enough security to approve your loan.\u00a0<\/p><p>So the main difference between a legal charge and an equitable charge is power of sale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb56908 question elementor-widget elementor-widget-heading\" data-id=\"fb56908\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a cash-secured business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75cc474 answer elementor-widget elementor-widget-text-editor\" data-id=\"75cc474\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As the name suggests, a cash-secured business loan is a loan using cash as security. Whilst this may seem odd to some business owners, on occasions businesses do wish to borrow using cash to secure a loan. These types of loans have different terms compared to loans secured with property or other assets.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7920f0 question elementor-widget elementor-widget-heading\" data-id=\"a7920f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a business loan without security?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fa59c1 answer elementor-widget elementor-widget-text-editor\" data-id=\"7fa59c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. If your business lacks assets, or if you don\u2019t want to use your assets as security, you may be able to get an\u00a0unsecured business loan. These loans are a simple, low-cost way to borrow. \u00a0<\/p><p>Bear in mind, however, that if you\u2019re after a large unsecured business loan, your business will need to have a strong cash flow position and long trading history that shows you can easily afford repayments and a balance sheet that shows there is value in the business. A secured loan might therefore be your best option in this case.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c450c64 question elementor-widget elementor-widget-heading\" data-id=\"c450c64\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a secured business loan with bad credit?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dad1a6 answer elementor-widget elementor-widget-text-editor\" data-id=\"2dad1a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. One of the advantages of a secured loan is that, from the lender\u2019s perspective, your credit rating is less important than the assets you use to guarantee your borrowing. In other words, lenders take on less risk with a secured business loan than they would with an unsecured loan. This means that if your business has a bad credit history you\u2019re more likely to be successful if you apply for a secured loan.<\/p>\n<p>That said, you should be aware that:<\/p>\n<ul>\n<li>You might be liable to lose any assets you use as security if you\u2019re unable to make your loan repayments<\/li>\n<li>Your credit rating might count against you when you\u2019re negotiating interest rates \u2013 you might be offered higher interest rates if your credit rating is poor<\/li>\n<li>If your business has experienced financial difficulties and your bank has been unable to provide you with finance options, you might have more success with an alternative finance lender.\u00a0<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-259e9a3 question elementor-widget elementor-widget-heading\" data-id=\"259e9a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do secured loans hurt your credit?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d9bdb answer elementor-widget elementor-widget-text-editor\" data-id=\"c9d9bdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Missing a loan payment or defaulting on a secured loan or an unsecured loan (defined as failing to pay back a loan within an agreed time-frame) can cause serious problems for your business.<\/p>\n<p>Before you agree to a loan, you should check what the terms and conditions are for non-payment. If you miss a payment, you will most likely incur a fine, based on a percentage of your monthly instalments. You might also have to pay the administrative costs that your lender incurs in notifying you.<\/p>\n<p>Your contract will specify what constitutes defaulting on your loan \u2013 it can be after several \u2013 or just one \u2013 missed monthly payments.<\/p>\n<p>In the case of a secured loan, because the loan is secured against your assets, you run the risk of losing them if you fail to make the repayments as agreed with the lender. This won\u2019t necessarily happen immediately \u2013 you\u2019d need to check your loan contract. This is of course one of the key differences between a secured loan and an unsecured loan.\u00a0<\/p>\n<p>Your business credit score will certainly take a hit. This means you\u2019ll find it more difficult to access finance in the future, including other business loans. It can also impact your future business dealings, since many companies carry out credit checks on companies they\u2019re considering working with.<\/p>\n<p>A poor credit score also means less favourable terms (for example, higher interest rates) on any loans or other types of finance you might apply for in the future, because you pose an increased risk to the lender.\u00a0<\/p>\n<p>While there are ways you can improve your business\u2019s credit rating, negative information can stay on your company credit file for years.\u00a0<\/p>\n<p>If you\u2019ve given a personal guarantee (i.e. you\u2019ve offered personal assets such as your home as security) and your business then fails to make repayments, you become personally liable for paying off the debt.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a4c69e question elementor-widget elementor-widget-heading\" data-id=\"6a4c69e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why are secured loans less expensive than unsecured loans?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-967c8d1 answer elementor-widget elementor-widget-text-editor\" data-id=\"967c8d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Secured loans are usually cheaper (i.e. interest rates are lower) because there\u2019s less risk for the lender. Lenders might also offer longer terms and larger amounts if a loan is secured by assets.\u00a0<\/p>\n<p>With unsecured lending, on the other hand, the lender takes on more risk, which makes unsecured loans more expensive (i.e. interest rates are higher).\u00a0<\/p>\n<p>The security reduces the risk for lenders, you can usually borrow more money and you\u2019ll be offered better interest rates, in comparison to a secured loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a69888c question elementor-widget elementor-widget-heading\" data-id=\"a69888c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Will I need a personal guarantee?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-096547a answer elementor-widget elementor-widget-text-editor\" data-id=\"096547a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If a loan is secured against a high-value asset, the\u00a0lender\u00a0has the reassurance that if things go wrong and you can\u2019t keep up the repayments, they can take the asset to recoup their losses.<\/p>\n<p>The lender is taking on less risk than they would with an unsecured loan, and this gives them more confidence to lend to your business.\u00a0<\/p>\n<p>It also means they are less likely to require a personal guarantee.<\/p>\n<p>That said, in the case of a limited company or a limited liability partnership, lenders might also require a director\u2019s personal guarantee as an additional form of security, especially if your credit history is less than perfect.\u00a0<\/p>\n<p>Bear in mind that if you\u2019re the director offering a personal guarantee (i.e. offering personal assets such as your home as security) and your business then fails to make repayments, you become personally liable for paying off the debt. You should seek professional advice before you consider signing a personal guarantee.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bea996 question elementor-widget elementor-widget-heading\" data-id=\"1bea996\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the alternatives to a secured loan?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-333c0b3 answer elementor-widget elementor-widget-text-editor\" data-id=\"333c0b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may have the choice of many different financing options if you\u2019re unable to get a secured loan \u2013 or if you decide that a secured loan is not for you.\u00a0<\/p><p>If you need funds quickly a secured loan might not be your best option. You might instead consider an\u00a0unsecured loan, which can be more expensive in terms of interest but doesn\u2019t require you to use assets as security.<\/p><p>If you\u2019re looking for shorter-term borrowing, you might consider\u00a0<a class=\"rank-math-link\" href=\"https:\/\/swoopfunding.com\/na\/loans\/revolving-credit-facility\/\">revolving credit facilities<\/a>,\u00a0<a href=\"https:\/\/swoopfunding.com\/na\/knowledge-hub\/business-credit-card\/\">business credit cards<\/a>\u00a0or a bank <a href=\"https:\/\/swoopfunding.com\/na\/business-glossary\/overdraft\/\">overdraft<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7005699 question elementor-widget elementor-widget-heading\" data-id=\"7005699\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Which Namibian banks offer secured loans?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-380848c answer elementor-widget elementor-widget-text-editor\" data-id=\"380848c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All Namibian high street banks offer secured loans.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d244415 question elementor-widget elementor-widget-heading\" data-id=\"d244415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I get a secured business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab15b9a answer elementor-widget elementor-widget-text-editor\" data-id=\"ab15b9a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you would like to discuss secured business loans get in touch to\u00a0<a class=\"rank-math-link\" href=\"https:\/\/namibia.swoopfunding.com\/stage\">s<strong>peak with our loans experts<\/strong><\/a>\u00a0for a free, no-obligation discussion.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6810ce8 elementor-widget elementor-widget-spacer\" data-id=\"6810ce8\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be33397 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"be33397\" data-element_type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <a href=\"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\" class=\"link-img\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n \n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/na\/author\/alastair-woods\/\">Alastair Woods<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n \n <li><a href=\"https:\/\/www.linkedin.com\/in\/alastair-woods-64635315\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/na\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/na\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-e8654ba e-flex e-con-boxed e-con e-parent\" data-id=\"e8654ba\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d97948 e-con-full e-flex e-con e-child\" data-id=\"2d97948\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b0d897 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"7b0d897\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/na\/wp-content\/uploads\/sites\/10\/2022\/08\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-19975\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad28d5f elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"ad28d5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Create your free Swoop account to easily apply for a secured business loan<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7ded62 elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"c7ded62\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/namibia.swoopfunding.com\/stage\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5346df4 e-flex e-con-boxed e-con e-parent\" data-id=\"5346df4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a812044 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"a812044\" data-element_type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/accounts-receivable-financing\/\">Accounts receivable financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/aircraft-financing\/\">Aircraft financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/apply-now\/\">Apply for a business loan now <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/\">Asset finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/asset-based-lending\/\">Asset-based lending <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/audio-visual-financing\/\">Audio visual equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/bad-credit-business-loans\/\">Bad credit business loan <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/working-capital-loans\/bad-credit-working-capital\/\">Bad credit working capital loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/bakery-equipment-financing\/\">Bakery equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/boat-financing\/\">Boat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/bobcat-financing\/\">Bobcat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/business-car-finance\/\">Business car finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/business-line-of-credit\/\">Business line of credit <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/marketing-loans\/\">Business loan for marketing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/\">Business loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/sectors\/business-loans-for-bed-and-breakfasts\/\">Business loans for bed and breakfasts <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/business-loans-for-software\">Business loans for software <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/loans-for-women\/\">Business loans for women <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/business-loans-with-cosigner\/\">Business loans with a cosigner <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/business-refinancing-and-debt-consolidation\/\">Business refinancing and debt consolidation <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/business-restructuring\/\">Business restructuring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/business-van-finance\/\">Business van finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/cash-flow-loans\/\">Cash flow loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-leasing\/commercial-equipment-leasing\/\">Commercial equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/commercial-equity-line-of-credit\/\">Commercial equity line of credit <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/commercial-finance\/\">Commercial finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/commercial-fleet-finance\/\">Commercial fleet finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/construction-equipment-financing\/\">Construction equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/construction-invoice-finance\/\">Construction invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/crane-finance\/\">Crane equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/delayed-draw-term-loan\/\">Delayed draw term loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/dental-equipment-financing\/\">Dental equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/dump-truck-finance\/\">Dump truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/easy-business-loans\/\">Easy business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/emergency-business-loans\/\">Emergency business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-appraisals\/\">Equipment appraisals <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/equipment-finance-brokers\/\">Equipment finance brokers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/\">Equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-leasing\/\">Equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/excavator-finance\/\">Excavator financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/finance-lease-vs-operating-lease\">Finance lease vs. operating lease \u2013 what\u2019s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/finance-lease\/\">Finance leasing explained &#8211; what is it? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/flexible-finance\/\">Flexible finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/forklift-finance\/\">Forklift financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/franchise-finance\/\">Franchise finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/heavy-equipment-finance\/\">Heavy equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-leasing\/heavy-equipment-leasing\/\">Heavy equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/how-do-small-business-loans-work\/\">How do small business loans work <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/how-long-does-it-take-to-get-a-business-loan\/\">How long does it take to get a business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/startup-loans\/how-to-get-a-startup-loan\/\">How to get a startup loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/industrial-equipment-finance\/\">Industrial equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-discounting\/\">Invoice discounting <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-factoring\/\">Invoice factoring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-factoring\/factoring-vs-discounting\/\">Invoice factoring vs. invoice discounting: What&#8217;s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/islamic-business-finance\/\">Islamic business finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/large-business-loans\/\">Large business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/management-buyout\/\">Management buyouts <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/manufacturing-equipment-financing\/\">Manufacturing equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/material-handling-equipment-finance\/\">Material handling equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/medical-equipment-finance\/\">Medical equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-leasing\/medical-equipment-leasing\/\">Medical equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/mezzanine-finance\/\">Mezzanine finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/best-business-loans-100000-or-less\/\">N$100,000 or less business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/no-collateral-business-loans\/\">No collateral business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/no-credit-check-business-loans\/\">No credit check business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/no-doc-business-loan\/\">No doc business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/operating-lease\/\">Operating leases explained: What are they? How do they work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/purchase-order-financing\/\">Purchase order financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/invoice-finance\/recruitment-invoice-finance\/\">Recruitment invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-leasing\/restaurant-equipment-leasing\/\">Restaurant equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/revenue-based-financing\/\">Revenue based financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/revolving-credit-facility\/\">Revolving credit facility <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/saas-finance\/\">SaaS finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/same-day-business-loans\/\">Same-day business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/secured-business-loans\/\">Secured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/self-employed-loans\/\">Self-employed business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/seller-financing\/\">Seller financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/semi-truck-financing\/\">Semi-truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/short-term-loans\/\">Short-term business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/small-business-loans\/\">Small business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/soft-asset-finance\/\">Soft asset finance: What you need to know <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/solar-energy-installations\/\">Solar energy installations <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/solar-equipment-financing-for-businesses\/\">Solar equipment financing for businesses <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/startup-equipment-finance\/\">Startup equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/supercar-finance\/\">Supercar finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/supply-chain-finance\/\">Supply chain finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/equipment-financing\/technology-equipment-financing\/\">Technology equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/term-loans\/\">Term loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/tractor-finance\/\">Tractor financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/tractor-trailer-finance\/\">Tractor trailer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/unsecured-business-loans\/\">Unsecured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/asset-finance\/vending-machine-finance\/\">Vending machine financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/what-documents-do-you-need\/\">What documents do you need for your funding application? A business owner&#8217;s guide <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/na\/business-loans\/working-capital-loans\/\">Working capital loans <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <button class=\"bt_see_more\" href=\"javascript:void(0);\" aria-label=\"See more\">See more<\/button>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c99e0b5 e-flex e-con-boxed e-con e-parent\" data-id=\"c99e0b5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b628ae1 e-flex e-con-boxed e-con e-child\" data-id=\"b628ae1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a02a459 e-con-full e-flex e-con e-child\" data-id=\"a02a459\" 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By taking security, the lender is much less likely to lose money should you fail to keep up the repayments. This means you will be more likely to be approved for a secured loan, as well as be offered lower interest rates, longer terms, and larger loans for your business. 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