Top 10 Lenders Offering 100k Secured Business Loans in the UK for 2026
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Top 10 Lenders for 100k Secured Business Loan in the UK
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Fleximize | Established businesses needing flexible secured loans | £10,000 to £500,000 | interest 0.9% to 3.6% monthly |
| 2 | One Stop Business Finance | Businesses seeking large secured loans with no minimum age | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 3 | Accredo | More established operators needing larger secured credit lines | £25,000 to £1,500,000 | interest 12.9% to 18.5% annually |
| 4 | 4syte | Later-stage businesses with strong turnover | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
| 5 | NatWest Bank | Established businesses preferring traditional bank loans | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | HSBC Bank | Businesses seeking secure loans from recognised banks | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 7 | Virgin Money | Businesses with at least 12 months trading history | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 8 | Barclays | Businesses preferring major bank lenders | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 9 | Novuna | Established businesses evaluating asset-based lending | £10,000 to £5,000,000 | interest 4.5% to 12.5% monthly |
| 10 | United Trust Bank | Established firms needing property-backed finance | £100,000 to £35,000,000 | interest 5% to 12.5% annually |
A secured business loan is a finance product where a UK business uses an asset as collateral to secure the loan. It suits businesses seeking lower risk financing through offering security on the loan. This solution is well matched to established businesses needing a reliable funding source, often for investment, growth, or cash flow management. Secured loans provide flexibility in loan amounts suitable for significant business expenses.
Comparing secured business loan lenders involves more than headline interest rates. Evaluate loan range offerings to ensure they fit your needs. Consider the loan term flexibility and how quickly funds can be accessed. Assess the lender’s minimum business criteria and eligibility requirements. For £100,000 loans, reviewing the relevance of security types accepted is also crucial to find the best lender fit.
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: Fleximize lends quickly, funding loans within 24 hours. They serve established SMEs that can provide property or assets as security. This makes them suitable for secured business loans near £100,000. Legal or valuation fees may apply, and trading history requirements can be strict.
Best next step: Generate offers now to compare Fleximize.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fast funding in 24 hours
- Loans secured by assets
- Supports growth and working capital
Need to know
- May need strong trading history
- Legal and valuation fees possible
- Personal guarantee may be required
Expert take
Fleximize targets established SMEs with physical assets for security. Their fast funding and flexible secured loans fit UK businesses needing £100,000 quickly.
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: One Stop Business Finance offers flexible working capital facilities with draw, repay and reuse options. Their secured loans from £100,000 work well for SMEs needing adaptable finance. Their funding process takes around five days, balancing speed with thorough underwriting.
Best next step: Generate offers to explore One Stop Business Finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible working capital access
- Secured loans from £100,000
- Loan reuse options available
Need to know
- Requires suitable security
- Costs may rise with usage
- Limits can be reviewed
Expert take
One Stop Business Finance serves SMEs seeking flexible, secured credit solutions. Their revolving credit style suits businesses needing ongoing access to £100,000 of secured finance.
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: Accredo caters to businesses purchasing or refinancing productive assets such as equipment and vehicles. Their secured business loans suit asset-backed needs around £100,000. Funding typically completes within five days, making it a timely choice for capital investments.
Best next step: Generate offers to consider Accredo loans.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Asset-backed financing
- Competitive annual interest rates
- Suitable for refinancing assets
Need to know
- Not yet on Funding Agent panel
- May require personal guarantee
- Legal or valuation fees possible
Expert take
Accredo focuses on asset-backed loans for businesses investing in machinery or vehicles. Their secured £100,000 facilities are well-suited for timely asset acquisitions in the UK.
Source:https://www.accredo.co.uk/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: 4syte offers quick access to secured working capital by converting unpaid B2B invoices into funding. Their invoice finance suits companies needing cash before customer payments. Funding can be arranged within 24 hours, fitting urgent liquidity needs at £100,000 levels.
Best next step: Generate offers to evaluate 4syte financing.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fast invoice-backed funding
- Secured loans up to £3 million
- Ideal for B2B working capital
Need to know
- Dependent on invoice quality
- Security is mandatory
- Payment behaviour affects eligibility
Expert take
4syte specialises in secured invoice finance for B2B firms. Their fast, flexible loans help unlock working capital at £100,000 for businesses with strong invoice portfolios.
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: NatWest Bank offers broad secured business loan options with flexible drawdown features, making it suitable for ongoing working capital needs. Their funding speed is 24 hours but bank underwriting may be more stringent, fitting businesses ready for thorough checks.
Best next step: Generate offers to compare NatWest loans.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Flexible drawdown structure
- Broad loan range
- Access to mainstream banking products
Need to know
- Bank underwriting is strict
- Costs and limits may change
- Security required for loans
Expert take
NatWest Bank serves a spectrum of UK businesses needing reliable secured loans. Their mainstream banking model delivers flexible £100,000 facilities with stringent eligibility checks.
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 Bank provides secured loans with quick funding within 48 hours. Their offerings suit businesses needing reliable working capital or growth financing secured by assets. Bank processes mean thorough checks but a strong reputation and flexible repayment options.
Best next step: Generate offers for HSBC secured loans.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Quick 48-hour funding
- Suitable for working capital
- Broad asset-backed loan options
Need to know
- Bank underwriting requires proofs
- Security and guarantees needed
- Costs may increase with use
Expert take
HSBC Bank targets businesses needing secure, asset-backed loans. Their reliable funding and moderate loan sizes make them suitable for steady UK SME finance.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Virgin Money offers secured business loans aimed at B2B businesses needing working capital before they receive customer payments. With 24-hour funding, they assist companies requiring rapid access to cash secured by assets.
Best next step: Generate offers to access Virgin Money loans.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Fast 24-hour approval
- Flexible secured loans
- Broad loan ranges
Need to know
- Stricter bank eligibility
- Security and guarantees needed
- Costs may rise with usage
Expert take
Virgin Money supports B2B businesses requiring quick, secured working capital. Their fast funding and flexible loans suit UK firms needing to stabilise cash flow.
Source:https://uk.virginmoney.com/business/business-borrowing/
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Barclays is a top mainstream lender offering secured loans up to £25 million, ideal for businesses purchasing or refinancing productive assets. Their 24-hour funding makes them viable for fast-moving asset finance needs.
Best next step: Generate offers to check Barclays loans.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Broad loan capability
- Fast funding in 24 hours
- Asset-backed finance
Need to know
- Strict bank underwriting
- Legal and valuation costs
- Personal guarantees often needed
Expert take
Barclays serves businesses investing in assets with flexible secured loans. Their quick funding suits UK companies needing substantial secured facilities near £100,000.
Novuna
Published loan range£10,000 to £5,000,000
Rate typeinterest 4.5% to 12.5% monthly
Overview: Novuna focuses on secured invoice finance and asset-based lending with monthly interest rates. Their facilities support B2B businesses needing working capital and guarantees secured loans from £10,000 up to £5 million.
Best next step: Generate offers to review Novuna options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Invoice and asset-backed lending
- Quick 24-hour approval
- Flexible credit limits
Need to know
- Depends on invoice security
- Legal fees may apply
- Personal guarantee required
Expert take
Novuna targets B2B firms needing secured invoice finance. Their prompt funding and flexible credit suit those seeking £100,000 secured facilities for working capital.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5% annually
Overview: United Trust Bank offers structured property finance secured by tangible business assets. Their loans suit companies looking for property-backed funding around £100,000, with a slightly longer 48-hour funding timeline.
Best next step: Generate offers to explore United Trust Bank.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Property-backed finance
- Loans start at £100,000
- Preserves business cash flow
Need to know
- Funding tied to property assets
- Higher fees and valuations
- Longer underwriting process
Expert take
United Trust Bank specialises in property-secured loans for UK businesses. Their substantial facilities suit companies needing asset-backed finance around £100,000 with reliable funding.
Source:https://www.utbank.co.uk/
Business Loan Calculator
Eligibility Criteria for UK Businesses Seeking a 100k Secured Business Loan
When applying for a secured business loan of around £100,000, UK businesses will find varying criteria among top lenders. For instance, Fleximize requires a minimum business age of six months and turnover of £150,000, alongside a personal guarantee and homeowner status. One Stop Business Finance is more flexible, with no minimum turnover or business age requirement, though it also mandates a personal guarantee. Other lenders like 4syte and Accredo typically ask for homeowner status and a personal guarantee as part of their security terms. Most lenders expect borrowers to provide security, such as a property or tangible assets, to qualify for secured loans in this range.
Rates and Loan Amounts Offered by Top Lenders for 100k Secured Business Loans
The interest rates on secured business loans of £100,000 typically range widely. For example, Fleximize offers monthly interest rates from 0.9% to 3.6%, while One Stop Business Finance ranges from 1.6% to 3% monthly. Other lenders like Accredo and NatWest apply annual interest rates, with Accredo from 12.9% to 18.5% and NatWest between 4.5% and 10.5% per year. Most lenders provide loans starting as low as £10,000 up to several million pounds, but the focus here is on facilities offering at least £100,000. Loan terms vary from a few months up to over 10 years depending on the lender's policy.
Security and Guarantees Required for 100k Secured Business Loans to UK Businesses
Lenders requiring secured loans of £100,000 often ask for collateral such as homeowner property or business assets. Almost all lenders in this space require a personal guarantee, securing the loan against the business owner or director's personal assets. For example, Fleximize and One Stop Business Finance both require personal guarantees, with Fleximize also typically needing the borrower to be a homeowner. This security lowers lender risk and can result in more competitive rates and larger loan amounts than unsecured options.
Choosing the Best 100k Secured Business Loan Lender for Your UK Business
Selecting the right lender involves comparing eligibility criteria, loan terms, rates, and security requirements. Businesses with shorter trading history may favour One Stop Business Finance, which accepts new businesses without turnover requirements. Meanwhile, established businesses with assets may find Fleximize’s rates and loan-to-value terms attractive but must meet minimum turnover criteria. Bank lenders like NatWest and HSBC provide a broad range of services and potentially longer repayment terms, though usually at higher annual interest rates. Ensure you consider the total cost of borrowing, loan term flexibility, and the type of security you can provide before committing to a lender.
| Lender | Minimum Loan Amount | Typical Rate Range | Minimum Business Age |
|---|---|---|---|
| Fleximize | £10,000 | 0.9% to 3.6% monthly | 6 months |
| One Stop Business Finance | £100,000 | 1.6% to 3% monthly | None |
| Accredo | £25,000 | 12.9% to 18.5% annually | Not confirmed |
| NatWest Bank | £500 | 4.5% to 10.5% annually | Not confirmed |
