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Secured Business Loans: The 2025 November Guide

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  Published in Business and Finance on Sunday, November 16th 2025 at 13:18 GMT by The Wall Street Journal

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Secured Business Loans: The 2025 November Guide

The MSN Money article “Best Secured Business Loans in November 2025” provides a practical, up‑to‑date snapshot of the most attractive secured loan options available to small‑to‑medium‑sized enterprises at the end of the calendar year. Whether a company is looking to refinance existing debt, purchase equipment, or fund an expansion, the piece offers a side‑by‑side comparison of key features—interest rates, terms, collateral requirements, eligibility criteria, and application speed—so readers can quickly gauge which lender best fits their needs.

1. Wells Fargo Secured Business Loan

Wells Fargo remains a go‑to source for traditional secured loans. According to the article, the bank’s program typically offers APRs in the 6.5 %–9.5 % range for loan amounts ranging from $25,000 to $5 million. Loans are available for 3‑ to 5‑year terms, with the possibility of refinancing into a longer commitment if the borrower’s credit profile improves. Collateral may include real estate, machinery, or inventory, and the lender provides a dedicated business banking relationship that can streamline future financing needs.

Links for more information:
- Official Wells Fargo Business Banking page – details on collateral documentation and application workflow.
- FAQ on collateral types – clarifies what can be used to secure the loan.

2. JPMorgan Chase Business Line of Credit

JPMorgan Chase’s secured line of credit is designed for companies that need flexibility while keeping a fixed borrowing ceiling. The line offers an APR that typically falls between 7 % and 10 %, with borrowing limits up to $10 million. The credit line can be drawn on over a 12‑ to 36‑month period, and repayments are interest‑only until the term ends, after which a repayment schedule is set. Collateral can be commercial property or inventory, and the lender’s sophisticated risk‑assessment tools help keep approval timelines under a week.

Links for more information:
- Chase Business Credit Page – explains how to apply online and what documents are required.
- Chase Credit Line FAQ – provides guidance on drawing and repaying the line.

3. BlueVine Secured Business Loan

BlueVine, an online lender known for quick decisions, offers secured loans with competitive rates in the 8 %–12 % range. The platform is attractive for its $25,000–$500,000 loan range and 6‑ to 12‑month terms, making it ideal for equipment purchases or seasonal inventory needs. Collateral typically involves accounts receivable or inventory, and approval can often be achieved in under 48 hours.

Links for more information:
- BlueVine Loan Product Page – explains how to upload documents and track application status.
- BlueVine Collateral Guide – details acceptable collateral types.

4. OnDeck Secured Business Loan

OnDeck provides a secured loan product that blends speed with relatively flexible collateral options. The article notes that APRs usually fall around 9 %–14 %, with loan amounts between $50,000 and $500,000 and terms of 12–36 months. OnDeck’s proprietary underwriting model allows them to consider not just collateral but also cash‑flow metrics, which can be a relief for businesses with modest credit scores but healthy revenue.

Links for more information:
- OnDeck Secured Loan Overview – offers a quick‑apply tool and eligibility checklist.
- OnDeck Financing FAQ – clarifies how collateral impacts rate.

5. Square Capital (Secured Financing)

Square Capital, typically known for its un‑secured small‑business funding, launched a secured financing option late in 2025. According to the article, Square’s secured loans run at APRs from 10 %–16 % and support loan amounts from $20,000 up to $750,000, with 12‑ to 60‑month terms. Collateral usually includes business assets such as equipment or inventory. Square’s integrated dashboard allows borrowers to monitor both financing and POS sales, providing a convenient single portal for financial oversight.

Links for more information:
- Square Capital Secured Product Page – describes how the integration with Square’s POS can simplify repayment tracking.
- Square Capital FAQ – explains repayment schedules and collateral requirements.

6. LendingClub – Business Loan Program

LendingClub, a well‑established marketplace lender, offered a secured loan product in November 2025 with APRs between 7 % and 13 %. Loan amounts ranged from $25,000 to $1 million, and terms spanned 12 to 48 months. Collateral typically involved real estate or inventory. LendingClub’s platform emphasizes transparency, providing borrowers with a clear cost calculator and a real‑time application status.

Links for more information:
- LendingClub Business Loan Page – shows how to run a pre‑qualification and what documents are needed.
- LendingClub Collateral Guide – lists the acceptable asset types.

How the Article Structured the Comparison

The article organizes the loan options into a clear, side‑by‑side table that compares the following parameters:

The table is supplemented by brief narrative sections that highlight each lender’s unique strengths, such as Wells Fargo’s long‑standing reputation or BlueVine’s rapid online turnaround. Readers are also encouraged to consider the macro environment—interest rates and inflation trends were cited in the article as key drivers of the current loan rates.

Additional Context and Resources

Beyond the lender list, the article offers actionable guidance for choosing the right secured loan:

1. Assess Your Collateral – How to evaluate the value of property, equipment, or inventory you can pledge.
2. Understand APR vs. Fees – How to factor in origination fees, pre‑payment penalties, and discount points into the overall cost.
3. Prepare Your Documentation – Checklist of required documents (financial statements, tax returns, asset appraisals).
4. Leverage Technology – Tips on using lender portals for quick application and tracking.
5. Seek Professional Advice – When to engage an accountant or financial advisor to negotiate terms.

The article also links to a series of supplemental resources, such as:

• SBA 7(a) Program Overview – contextualizing how traditional banks and SBA‑backed loans differ from private secured loans.
• Financial Planning Tools – calculators that help estimate repayment schedules and cash‑flow impact.
• Small‑Business Loan Glossary – explaining terms like “APR,” “collateral,” “debt‑to‑equity ratio,” and “secured vs. unsecured.”

Bottom Line

The “Best Secured Business Loans in November 2025” article is a concise, data‑rich guide that equips small‑business owners with the information needed to compare and select a secured financing option that aligns with their risk profile, cash‑flow needs, and growth plans. By highlighting six leading lenders—each with distinct loan structures, rates, and application experiences—the piece empowers readers to move beyond generic “small‑business loan” advice and instead focus on specific, actionable choices tailored to their current financial landscape. Whether a business prefers a traditional bank’s credibility, an online lender’s speed, or a line of credit’s flexibility, the article’s structured comparison and embedded resources make it an invaluable starting point for anyone looking to secure financing in late‑2025.