Lender review · Property-secured business and personal credit lines
Selina Finance
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 11497606
- Methodology Public
London fintech offering property-secured credit lines and second-charge loans. Originally launched a business credit line product against directors' residential property; product mix now skews more toward HELOC-style consumer lending. Useful for director-owners willing to use home equity to back business borrowing, with the trade-off that home equity is the security.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Property-secured business and personal credit lines
- Ticket size
- £10k to £500k
- Typical rate
- From 7.99% APR
- Decision time
- 3 to 10 business days
- Soft search at quote
- Yes
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 11497606
- Founded
- 2018
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Selina Finance works
Selina Finance operates as a property-secured business and personal credit lines provider in the UK SMB market. London fintech offering property-secured credit lines and second-charge loans. Originally launched a business credit line product against directors' residential property; product mix now skews more toward HELOC-style consumer lending. Useful for director-owners willing to use home equity to back business borrowing, with the trade-off that home equity is the security.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £500k band, decisions land within 3 to 10 business days, and the published rate range is From 7.99% APR. Soft search at quote means no impact on your credit file at the eligibility stage. Selina Finance is FCA regulated.
Where Selina Finance fits best: director-owners with residential equity, working capital £50k to £300k, borrowers wanting headline apr transparency. Where it does not fit: borrowers without residential property equity, pure business-asset lending, fast bridging needs.
Pricing examples
Worked examples using Selina Finance's published rate range (From 7.99% APR). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £28,995 | £1,208 |
| £50,000 | 36 months | £61,985 | £1,722 |
| £100,000 | 48 months | £131,960 | £2,749 |
Indicative only. Confirm on a Selina Finance quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Borrowers without residential property equity; Pure business-asset lending; Fast bridging needs.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Director-owners with residential equity; Working capital £50k to £300k; Borrowers wanting headline APR transparency.
Pros
- + Soft-search at quote, no credit-file footprint.
- + Headline APR transparency unusual for property-secured business lending.
- + FCA-regulated.
- + Strong Trustpilot footprint for fintech category.
Cons
- − Director residential property is the security, not business assets.
- − Business credit line product may be deprioritised vs consumer HELOC line.
- − Second-charge structure adds legal cost vs unsecured term loan.
Best for
- · Director-owners with residential equity
- · Working capital £50k to £300k
- · Borrowers wanting headline APR transparency
Weak at
- · Borrowers without residential property equity
- · Pure business-asset lending
- · Fast bridging needs
When to use Selina Finance
Use Selina Finance when
Your application matches the best-fit profile: director-owners with residential equity, working capital £50k to £300k, borrowers wanting headline apr transparency. The published ticket range (£10k to £500k) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From 7.99% APR) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Selina Finance when
Your profile sits in the weak-at list: borrowers without residential property equity, pure business-asset lending, fast bridging needs. Selina Finance will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Selina Finance as a screen.
FAQs
What is the minimum trading time for Selina Finance?
Selina Finance typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Selina Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Selina Finance is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For property-secured business and personal credit lines specifically, expect a PG to be requested.
How fast does Selina Finance fund?
Selina Finance quotes 3 to 10 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Selina Finance?
Selina Finance's published range is From 7.99% APR. The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Selina Finance declines me?
If Selina Finance declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Selina Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via selinafinance.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Selina Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: selinafinance.co.uk.