Guides
Borrowing against property equity for the business - what lenders require behind a first mortgage, and what you sign
Property equity is usually the cheapest collateral a business owner has, and the most consequential to pledge. These guides cover what a lender behind a first mortgage actually requires, what cross-collateralisation commits you to, and when secured borrowing is the wrong answer. Start with real-estate-secured business loans, or compare with a HELOC used for business.
Borrowing for the business against a rental property you own. How lenders treat tenanted collateral, what the rent has to cover, and the risk of mixing two balance sheets.
Read moreCross-collateralisation ties several assets to one debt. What it buys in pricing, what a release clause has to say, and why selling a single asset can become impossible without one.
Read moreEquity-secured business loans close in weeks, not days. Where the time actually goes - valuation, title, senior lender consent - and which steps you can run in parallel.
Read moreSecured or unsecured business borrowing? Property collateral buys a lower rate and longer terms; unsecured costs more but keeps the asset out of it. How to weigh the trade honestly.
Read moreSecond and third position business loans sit behind an existing mortgage. What lien position means for pricing and recovery, how far down lenders will go, and what to check first.
Read moreWhat a second-position lender checks: combined loan-to-value, the senior loan's terms, title and insurance, and the equity cushion they need behind an existing first mortgage.
Read moreSend the property, the balance on the first mortgage and what you need. We will tell you plainly what position is available and what it costs.