Secured Business Overdrafts
Flexible finance secured on second-charge property — fast, tailored and stress-free.

Need a flexible business overdraft backed by property? At Shadowfax Funding Solutions, we specialise in helping businesses secure overdrafts from £100,000 to £500,000+, using second-charge residential or commercial property as collateral.

Whether you’re a startup in need of working capital, or a growing company looking to boost liquidity, we structure overdrafts that work for you — not the other way around.

Why Use a Secured Overdraft?

Secured overdrafts give you immediate access to working capital — without rigid loan terms or early repayment fees. By leveraging property you already own (even with an existing mortgage), you can unlock powerful financial flexibility.

✅ Facility limits from £100k to £500k+
✅ Terms from 12 months to 5 years
✅ Flexible repayments — interest only or rolled
✅ Use residential or commercial assets as second charge
✅ Startups and limited trading history welcome

Who It’s For?

We work with:
✅ Startup founders who need funding but lack trading history
✅ Property owners with untapped equity
✅ Business owners seeking cash flow without giving up equity
✅ Clients with assets but limited access to traditional loans
✅ We can help even if your bank has said no.

What Makes Shadowfax Different

Unlike large brokerages or one-size-fits-all fintech platforms, we work directly with you to understand your business — then structure facilities through a handpicked panel of trusted lenders.
👥 1-to-1 Advice — You’ll always speak to a real, experienced advisor
🏦 Lender Access — We work with banks, challenger lenders, and private funds
⏱️ Speed — We can arrange facilities in as little as 2–3 weeks
📃 End-to-End Handling — From paperwork to solicitor liaison — we do the heavy lifting

FAQs

✅ Can I use a property that already has a mortgage?
Yes — we arrange second-charge lending behind your existing lender.
✅ Will my credit affect eligibility?
We work with flexible lenders who focus on asset security, not just credit scores.
✅ How is this different from a loan?
An overdraft offers flexible drawdowns and only charges interest on what you use — ideal for businesses with variable cash needs.
✅ Do I need Security?
You dont always need security. Let us look at your scenario and what you need and let us see if we can find a lender who is wiling to help.

Ready to Unlock Working Capital with a Secured Overdraft?

Whether you’re just starting out or scaling up, let’s explore your options. Our secured overdraft specialists are ready to guide you through the process — clearly, quickly, and with total transparency.

📞 Call us on 0113 5182253 or 01937 229222
📧 Email us on hello@shadowfaxfunding.com with an overview of your requirements.