Selina Finance
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.
Quick routing verdict
- Product: Property-secured business and personal credit lines.
- Ticket band: £10k to £500k.
- Decision time: 3 to 10 business days.
- Pricing: From 7.99% APR.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Selina Finance Limited
- Companies House
- 11497606
- Founded
- 2018
- Product
- Property-secured business and personal credit lines
- Ticket range
- £10k to £500k
- Decision time
- 3 to 10 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 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.
When we route elsewhere
- 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 fit applicants
- Director-owners with residential equity
- Working capital £50k to £300k
- Borrowers wanting headline APR transparency
Where Selina Finance is the wrong fit
- Borrowers without residential property equity
- Pure business-asset lending
- Fast bridging needs
If declined by Selina Finance
If your application to Selina Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Selina Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Selina Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Selina Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.