By using equipment, property, or inventory as collateral, secured business loans unlock larger capital amounts with lower interest rates and more favorable repayment terms — strategic, secure growth funding.
A great fit for
- Major expansions
- Large equipment purchases
- Inventory-heavy businesses
- Rate-sensitive borrowers
Bigger Amounts, Better Rates
When your business owns valuable assets — equipment, commercial property, vehicles, or inventory — a secured business loan converts that equity into growth capital. Because collateral reduces the lender's risk, secured loans unlock larger amounts, lower interest rates, and longer repayment terms than unsecured alternatives.
For major expansions, large equipment purchases, or refinancing expensive debt, securing the loan is often the most cost-effective path to the capital you need.
Flexible Collateral, Practical Underwriting
Encore accepts a wide range of collateral types and structures each loan around the asset's value and your cash flow — not a rigid formula. Our underwriting focuses on your business's real performance, with credit scores from 500+ considered.
Tell us what your business owns and what you want to accomplish: apply online in five minutes or call (888) 550-9339 for a same-day read on your options.
Not sure this is the right program? Our team will match your scenario against every in-house program and our lender network — one application, all options.