Secured Business Loans
Larger loan amounts, longer terms and sharper pricing, backed by real estate, equipment, receivables, inventory or other business assets.
Put Your Assets to Work
Secured loans let you borrow against the value of what your business already owns. Because the loan is backed by collateral, we can offer higher loan amounts, longer repayment terms and lower pricing than unsecured credit.
We accept a wide range of collateral, from commercial and residential real estate to machinery, vehicles, accounts receivable, inventory, farmland and contracts. We look at the asset first, so businesses with complex histories, limited credit or uneven earnings can still get approved.
Program Highlights
- Borrow up to 80% of eligible collateral value
- Real estate, equipment, receivables and inventory accepted
- Blanket liens across multiple assets available
- Interest-only and amortizing structures
- Lower pricing than unsecured credit
- Asset-based approval for complex credit stories
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Acquisitions
Buy a competitor, a building or a book of business.
Equipment & Expansion
Fund new production lines, fleets or facilities.
Debt Consolidation
Refinance multiple lenders into one lower-cost facility.
Revolving Lines
Borrowing base lines secured by receivables and inventory.
Projects & Contracts
Finance large contracts, construction or development.
Equity Release
Unlock cash tied up in property and assets.
Typical Requirements
- Identifiable collateral with clear title or a payoff plan
- Operating business or experienced sponsor
- Clear repayment source (cash flow, sale or refinance)
- Credit considered, but not the primary factor
Documents We Will Ask For
- Executive summary and use of funds
- Collateral details: appraisal, equipment list or aging reports
- Two years of financial statements or tax returns
- Interim financials and bank statements
- Entity documents and ID for principals
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
What can I use as collateral?
Commercial or residential real estate, equipment, vehicles, accounts receivable, inventory, farmland, crops, livestock and some contracts or intellectual property. Several assets can be combined.
How much can I borrow?
Typically up to 80% of the value of real estate and a lower advance rate on equipment, receivables and inventory, with loans from $100,000 to $50 million.
Is a secured loan cheaper than an unsecured loan?
Usually yes. Collateral reduces our risk, which we pass on through lower pricing, longer terms and larger amounts.
You May Also Consider
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
Commercial Real Estate
Multifamily, retail, office, industrial and mixed-use financing.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Talk About Your Secured Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.