Top 10 Lenders for a £100k Secured Business Loan in 2026
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Top 10 Lenders for a £100,000 Secured Business Loan
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Fleximize | Growing businesses wanting flexible secured funding with monthly repayment terms | £10,000 to £500,000 | interest 0.9% to 3.6% monthly |
| 2 | One Stop Business Finance | Established businesses needing larger secured loans from £100,000 upwards | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 3 | Accredo | Firms comparing secured loan providers with clear annual interest pricing | £25,000 to £1,500,000 | interest 12.9% to 18.5% annually |
| 4 | 4syte | Fast-moving businesses seeking larger secured facilities with quick funding | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 5 | NatWest Bank | Established businesses preferring a high-street bank for their secured loan | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | HSBC Bank | Firms seeking a traditional bank secured loan with annual interest rates | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 7 | Barclays | Companies wanting a secured loan from a major UK high-street bank | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Virgin Money | Businesses with 12+ months trading seeking a bank secured loan | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 9 | Novuna | Businesses considering asset-based lending as a secured funding alternative | £10,000 to £5,000,000 | interest 4.5% to 12.5% monthly |
| 10 | United Trust Bank | Property-owning businesses needing secured funding from £100,000 upwards | £100,000 to £35,000,000 | interest 5% to 12.5% annually |
A secured business loan lets you borrow against an asset your business or you personally own, such as commercial property, equipment, or land. The lender holds a legal charge over the asset, which reduces their risk and typically unlocks lower interest rates and longer repayment terms than unsecured alternatives. For established UK businesses, this structure makes a £100,000 loan more accessible, often funding expansion, property improvements, or major equipment purchases.
Choosing the right lender means looking beyond the headline rate. For a £100,000 secured loan, the security type accepted varies — some lenders only take property, others accept equipment or mixed assets. Loan-to-value ratios affect how much you can borrow against each asset. Repayment flexibility and early settlement terms also differ, with some charging penalties for early clearance. A lender’s appetite for your specific asset can decide your application’s outcome.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Fleximize
Published loan range£10,000 to £500,000
Rate typeinterest 0.9% to 3.6% monthly
Overview: Monthly interest starting at 0.9% keeps the cost of secured borrowing predictable for established businesses. Fleximize offers term loans from £10,000 to £500,000, with security typically taken against property or business assets. Funding can be arranged within 24 hours, making it a practical option when timing matters.
Best next step: Competitive monthly rates from 0.9% on secured terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low monthly interest from 0.9%
- Funding in as little as 24 hours
- Loans up to £500,000 available
Need to know
- Security against property or assets required
- Strong trading history typically expected
- Legal or valuation costs may apply
Expert take
Fleximize is a specialist SME lender for businesses that can back borrowing with tangible security. Low starting rates and 24-hour funding make it a strong fit for established firms seeking a straightforward secured facility without drawn-out bank processes.
Source:https://fleximize.com/
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3% monthly
Overview: Facilities from £100,000 to £3 million suit businesses seeking substantial secured funding beyond what many high-street alternatives offer. One Stop Business Finance structures loans against property or assets, with flexible drawdown that lets businesses access capital as needed. Funding typically completes within five days.
Best next step: Flexible facilities from £100k, secured against property or assets.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Large facilities up to £3 million
- Flexible drawdown and repayment structure
- Property and asset-backed security accepted
Need to know
- Minimum facility starts at £100,000
- Personal guarantee may be required
- Legal and valuation costs can apply
Expert take
One Stop Business Finance operates a flexible secured lending model aimed at SMEs that need capital they can draw and reuse. Its £100,000 minimum aligns neatly with borrowers seeking six-figure secured funding, with property-backed structures giving room for larger facilities.
Source:https://www.osbf.co.uk/
Accredo
Published loan range£25,000 to £1,500,000
Rate typeinterest 12.9% to 18.5% annually
Overview: Secured term loans structured around equipment, vehicles, or machinery give asset-rich businesses a way to raise capital without disrupting cash reserves. Accredo funds from £25,000 to £1.5 million, with annual interest between 12.9% and 18.5%. Decisions typically come through within five working days.
Best next step: Asset-backed term loans from £25k to £1.5m.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding secured against business assets
- Borrow from £25k to £1.5 million
- Decision within five working days
Need to know
- Annual rates from 12.9% to 18.5%
- Security against equipment or vehicles needed
- Strong affordability evidence may be required
Expert take
Accredo is an asset finance specialist that turns productive equipment into borrowing power. Its secured term loan structure gives businesses with machinery or vehicles a practical route to six-figure funding, with pricing reflecting the specialist nature of the lending.
Source:https://www.accredo.co.uk/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: Funding can land within 24 hours, making 4syte one of the quicker routes to a secured facility. The lender uses unpaid B2B invoices as security, advancing between £26,000 and £3 million. Monthly interest sits between 3% and 9.5%, with facility size scaling alongside the value of outstanding receivables.
Best next step: Invoice-backed funding in as little as 24 hours.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Rapid funding within 24 hours
- Facilities from £26k to £3 million
- Security based on unpaid invoices
Need to know
- Requires B2B invoices as security
- Monthly interest from 3% to 9.5%
- Debtor quality affects facility size
Expert take
4syte is an invoice finance lender that converts outstanding receivables into working capital. For B2B businesses with strong debtors, it offers one of the fastest routes to a secured £100,000 facility, with cost varying by invoice quality and customer payment behaviour.
Source:https://www.4syte.co.uk/
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Businesses with established trading histories and strong credit profiles meet the underwriting threshold at NatWest. Secured facilities reach up to £10 million, with annual rates from 4.5% to 10.5%. The bank's invoice finance and asset finance options give secured borrowers multiple ways to structure their facility.
Best next step: Bank-backed secured lending from 4.5% annually.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from just 4.5%
- Facilities of up to £10 million
- Multiple secured product options
Need to know
- Detailed bank underwriting required
- Strong credit history typically expected
- Personal guarantee may be needed
Expert take
NatWest is a mainstream high-street bank whose secured lending spans invoice finance, asset finance, and term loans. Competitive annual pricing starting at 4.5% appeals to established businesses with strong financials and the patience for thorough bank underwriting.
Source:https://www.natwest.com/business/loans-and-finance.html
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC turns unpaid invoices into accessible working capital through secured facilities ranging from £1,000 to £300,000. Annual interest sits between 8.6% and 11.3%. Revolving credit structures allow repeat drawdowns, suiting firms with seasonal or fluctuating cash-flow needs that require ongoing access to funds.
Best next step: Secured revolving credit from 8.6% annually.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit for repeat use
- Invoice-backed secured facilities
- Established high-street lender
Need to know
- Annual rates from 8.6% to 11.3%
- Requires B2B receivables as security
- Bank underwriting can be slower
Expert take
HSBC is a global bank that brings stability to secured business lending. Its revolving credit model works for businesses needing ongoing working capital rather than a one-off lump sum, with invoice-backed security keeping the structure straightforward.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Annual rates from 8.5% to 14.9% position Barclays as a competitive secured lender for asset-backed borrowing. Facilities stretch from £1,000 to £25 million, covering everything from modest equipment purchases to large-scale property-backed deals. Funding can be arranged within 24 hours for straightforward applications.
Best next step: Asset-backed loans from 8.5% annually at Barclays.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Competitive annual rates from 8.5%
- Facilities up to £25 million
- Funding possible within 24 hours
Need to know
- Security against property or assets needed
- Legal and valuation costs may apply
- Standard bank affordability checks
Expert take
Barclays is a major UK bank with a wide secured lending appetite, covering everything from asset finance to large property-backed facilities. Its combination of competitive pricing and rapid turnaround for straightforward cases makes it a practical starting point for established businesses.
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: With facilities spanning £30,000 to £10 million, Virgin Money covers a broad spectrum of secured business borrowing. Annual interest rates from 4.5% to 10.5% keep pricing aligned with mainstream bank lending. Revolving credit options give businesses the freedom to draw, repay, and reuse funds as trading needs shift.
Best next step: Revolving secured facilities from 4.5% annually.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low annual rates from 4.5%
- Borrow up to £10 million
- Flexible revolving credit available
Need to know
- Bank underwriting standards apply
- Personal guarantee may be required
- Limits can be reviewed or adjusted
Expert take
Virgin Money combines mainstream bank pricing with a flexible revolving credit model that suits businesses needing ongoing access to secured capital. Its broad facility range and competitive annual rates make it worth considering alongside the larger high-street banks.
Source:https://uk.virginmoney.com/business/business-borrowing/
Novuna
Published loan range£10,000 to £5,000,000
Rate typeinterest 4.5% to 12.5% monthly
Overview: Block discounting facilities from Novuna let businesses raise secured funding against a portfolio of invoices or assets. Advances range from £10,000 to £5 million, with monthly interest between 4.5% and 12.5%. The structure suits firms that want ongoing access to capital rather than a one-off lump sum.
Best next step: Block discounting from £10k to £5m secured.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding against invoice portfolios
- Facilities up to £5 million
- Ongoing access to capital
Need to know
- Monthly interest from 4.5% to 12.5%
- Requires eligible invoices or assets
- Debtor concentration may be assessed
Expert take
Novuna is a specialist asset-based lender whose block discounting model suits businesses with strong receivables. The structure gives ongoing secured funding rather than a fixed-term loan, suiting growing companies that need working capital scaling with sales.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5% annually
Overview: Decisions typically arrive within 48 hours, and United Trust Bank's structured property finance can support borrowing from £100,000 to £35 million. Annual rates between 5% and 12.5% reflect the bespoke nature of property-backed lending. The lender focuses on asset-rich proposals where the security is clearly defined.
Best next step: Property-backed funding from £100k, decisions in 48 hours.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Large facilities up to £35 million
- Decisions within 48 hours
- Bespoke property-backed structures
Need to know
- Property security required
- Valuation and legal fees apply
- Exit-risk assessment may be needed
Expert take
United Trust Bank is a specialist property lender for asset-rich businesses seeking structured finance. A £100,000 minimum and 48-hour decisions make it credible for borrowers with clear property security needing a tailored facility.
Source:https://www.utbank.co.uk/
Business Loan Calculator
How secured lending affects interest rates on a £100k business loan
Putting up security changes the rate picture on a £100,000 business loan. Lenders that offer secured facilities typically price below the rates you would see on an unsecured loan of the same size.
Among the top lenders on this list, Fleximize publishes rates from 0.9% to 3.6% per month, while One Stop Business Finance sits in a similar band at 1.6% to 3% per month. 4syte starts slightly higher, with rates from 3% to 9.5% per month.
For businesses that prefer annual pricing, high-street banks offer a different structure. NatWest and Virgin Money both quote from 4.5% to 10.5% per year. Barclays publishes rates from 8.5% to 14.9% per year, and HSBC from 8.6% to 11.3% per year. Accredo quotes from 12.9% to 18.5% per year for its secured facility.
The rate you receive at the £100,000 level depends on the quality and type of security offered, your trading history, and the overall strength of your application.
Loan-to-value ratios the top lenders apply to £100k secured loans
Most lenders cap their secured lending at a set loan-to-value ratio, which limits how much you can borrow against your asset. For a £100,000 secured business loan, the LTV directly determines the minimum value of security you need to offer.
| Lender | Maximum LTV |
|---|---|
| One Stop Business Finance | 75% |
| 4syte | 75% |
| United Trust Bank | 75% |
| Accredo | 70% |
In practice, a 75% LTV means you need property or business assets worth at least £133,334 to secure a £100,000 facility. A 70% LTV pushes that figure to roughly £142,857.
Lenders will typically instruct an independent valuation of any property offered as security. The valuation figure, not your own estimate, determines the borrowing base. Lenders almost always lend against the lower of purchase price or open-market value. If your existing asset equity falls short of the LTV threshold, some lenders may accept a mix of assets or a top-up from a personal guarantee to bridge the gap.
Repayment terms available on the best £100k secured business loans
Secured business loans at the £100,000 level come with a wide spread of repayment terms. Choosing the right term affects both your monthly commitment and the total interest paid.
Short-term secured lenders on this list offer windows measured in months. One Stop Business Finance provides terms from 3 to 18 months, while Fleximize extends to 5 years. 4syte offers flexibility from 1 month out to 7 years, and Accredo lends across 3 months to 10 years.
At the longer end, high-street banks dominate. NatWest and Barclays both offer terms stretching to 25 years on secured facilities. Virgin Money goes to 20 years, and HSBC caps at 10 years. United Trust Bank offers a maximum term of 5 years for its structured property finance.
Shorter terms reduce total interest cost but increase monthly repayments. Longer terms ease monthly cash flow but accumulate more interest over the life of the loan. At £100,000, the right balance depends on how comfortably your revenue covers the monthly commitment without straining day-to-day operations.
Eligibility checks lenders run for a £100,000 secured business loan
Lenders on this list set minimum turnover thresholds that range widely. Fleximize asks for £150,000 in annual revenue, while 4syte and NatWest require £300,000. Novuna accepts businesses turning over £50,000 per year. One Stop Business Finance publishes no minimum turnover requirement.
Trading history also varies by lender. Fleximize accepts applications from businesses trading for just 6 months. Virgin Money and Novuna both require at least 1 year of trading.
Most top lenders ask for a personal guarantee from directors on a £100,000 secured facility. Fleximize, One Stop Business Finance, Accredo, 4syte, NatWest, HSBC, and Virgin Money all require one. A personal guarantee means your personal assets sit behind the loan alongside the primary security.
Several lenders also require you to be a homeowner. Fleximize, Accredo, and 4syte all list homeownership as a condition. One Stop Business Finance does not. Because security is core to this product, the asset you offer matters as much as your trading numbers. Lenders will assess ownership, title, and existing charges before approving a £100,000 secured loan.
