Secured Business Loans: Higher Limits and Better Rates Using Your Assets in 24 Hours

    Leverage your business assets to access larger loan amounts and more competitive rates. Fast prequalification with no impact to your credit score and direct funding in as little as 24 hours.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+

    In business funding

    Deployed to SMBs nationwide

    4.9

    Customer rating

    Based on 12,000+ reviews

    95%

    Approval rate

    Among qualified applicants

    12 hrs

    Average funding time

    From application to offer

    Secured Loan Benefits

    Why GBB Loans Secured Business Loans Give You a Strategic Edge

    Turn your existing assets into a strategic advantage. Better rates, higher limits, and a stronger negotiating position — all from collateral you already own.

    01
    Rates from 5.5% APR

    Lower Interest Rates

    Collateral reduces lender risk, which translates directly into rates 3–8% lower than unsecured alternatives. Qualified borrowers access APRs starting as low as 5.5%.

    Rates from 5.5% APR
    02
    Up to $5M available

    Higher Funding Limits

    Asset backing gives lenders confidence to approve larger amounts — up to $5M. Your collateral value directly influences how much capital you can access.

    Up to $5M available
    03
    Assets stay productive

    Keep Using Your Assets

    Your collateral continues working for your business throughout the loan term. Equipment stays in operation, real estate stays occupied — nothing changes except your funding position.

    Assets stay productive
    04
    Higher approval rates

    Easier Approval Path

    Collateral-backed applications have significantly higher approval rates, even for borrowers with imperfect credit. Your assets demonstrate commitment and reduce risk.

    Higher approval rates
    Simple process

    Your secured loan in three easy steps.

    From asset evaluation to funded capital — streamlined, transparent, and designed around your collateral.

    01
    Prequalify

    Share your assets and goals.

    Complete a quick 2-minute form with your business details, available collateral, and desired funding amount. Our initial check uses a soft pull — your credit score stays untouched.

    2 minto complete
    02
    Get Matched

    Compare secured loan offers.

    Your dedicated funding advisor evaluates your collateral and business profile, then presents the secured loan options with the best rates and terms for your situation.

    Same daydecision
    03
    Get Funded

    Receive your secured capital.

    Accept your offer and complete the closing process. Funds are deposited directly into your business account — most secured loans fund within 3–7 business days.

    3–7 daysavg. funding time
    No hard credit pullFree to applyNo hidden fees
    Start your application

    Your Options

    Explore additional funding solutions.

    A secured loan is one powerful tool in your financing toolkit. Explore complementary products designed to support every stage of your business growth.

    Large Scale

    Commercial Business Loan

    Higher funding amounts with competitive rates for established businesses seeking growth capital.

    What's included

    • $50K–$5M funding
    • Flexible terms
    • Competitive APRs
    • Multiple structures
    Get started
    Asset Financing

    Equipment Financing

    Finance machinery, vehicles, or heavy equipment with competitive rates. The equipment itself serves as collateral.

    What's included

    • $10K–$5M financing
    • Terms up to 84 months
    • Equipment as collateral
    • 100% financing available
    Get started
    Extended Terms

    Long-Term Loans

    Access higher funding amounts with extended repayment terms for major investments like real estate or expansion.

    What's included

    • $50K–$5M funding
    • Terms up to 25 years
    • Fixed-rate options
    • Build equity over time
    Get started
    No credit score impact Decisions in minutes Funds as fast as 24 hrs

    Loan Details

    Loan Amount$75K
    $5K$500K
    Loan Term24 months
    3 mo60 mo

    Credit Profile

    Credit RangeGood
    Est. rate:% APR

    Optional

    Extra Monthly Payment
    $/ mo

    Monthly

    $3,531

    per month

    Interest

    $9.7K

    total interest paid

    Total Cost

    $84.7K

    principal + interest

    Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

    Apply now — it's free
    Real results

    Assets unlocked, businesses transformed.

    Real stories from business owners who leveraged their assets for better rates and higher funding through GBB Loans.

    "Our fleet of delivery trucks served as collateral for a $350K secured loan. The rate was nearly half what we were quoted on unsecured options. We used the capital to expand into two new metro areas and doubled our monthly contracts within six months."

    Funded $350,000
    M
    Marcus L.Owner, Summit Express Logistics

    "Using our commercial kitchen equipment as collateral unlocked a rate we never expected. The $180K secured loan funded our second restaurant location, and the monthly payments actually came in lower than our original unsecured line of credit."

    Funded $180,000
    T
    Teresa N.Co-Founder, Coastal Table Restaurant Group

    "Our warehouse inventory backed a $520K secured loan that let us purchase bulk materials at a 30% discount. The savings on materials alone covered the first year of loan payments. GBB Loans made the entire process transparent and fast."

    Funded $520,000
    J
    James W.VP Operations, NorthPoint Building Supply
    Common questions

    Secured business loans: FAQ.

    Everything you need to know about using collateral to access better business financing through GBB Loans.

    Start Your Application

    Ready to Unlock More Capital with Your Assets?

    Higher limits, lower rates, and the strategic advantage of collateral-backed financing. See what your assets can unlock in under 2 minutes — no fees, no obligation, no credit impact.

    No credit impactSoft pull only
    24-hour fundingFast approval
    20,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    GBB Loans

    America's largest small business loan marketplace. Funding made simple, fast, and transparent.

    Copyright © 2026 GBB Loans. All rights reserved.

    California loans made pursuant to the California Financing Law, Division 9 (commencing with Section 22000) of the Finance Code. All such loans made through GBB Loans Partners, LLC, a wholly-owned subsidiary of GBB Loans, Inc. and a licensed finance lender/broker, California Financing Law License No. 60DBO-44694. GBB Loans is not a lender and does not make credit decisions. Financing terms, conditions, and eligibility are determined solely by the participating lenders and may vary based on applicant qualifications. Compensation may be received from lenders for referrals or funded loans, which may impact the placement of financing offers. Not all financing options available in the market are listed on this platform. We encourage applicants to carefully review all lender disclosures and loan agreements before proceeding. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    1. Time to fund depends upon the product that you select, and can be as little as 24 hours, but may be longer.
    2. Filling out an application for business funding and submitting it to our funding partners will not impact your personal credit score. However, depending on the product and lender, accepting a funding offer may result in a hard credit inquiry, which could affect your personal credit score.
    3. Funding amounts and number of total loans funded include loans funded under the Paycheck Protection Program.