April 14, 2026
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Best £700K Secured Business Loan Lenders

Discover the best secured business loan lenders offering up to £700K. Compare rates, terms, and find the ideal loan to grow your UK business with confidence.
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Best £700K Secured Business Loan Lenders
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best £700K Secured Business Loan Lenders

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-04-09.

1. Funding Agent

Funding Agent provides a business finance comparison service focused on fast access to loan options for UK SMEs. It is typically suited to franchise buyers and operators seeking working capital via unsecured routes. Their process emphasises speed and ease of application with eligibility matching but does not rely on collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Nucleus Commercial Finance

Nucleus Commercial Finance is a provider of secured and unsecured loans designed to meet diverse SME finance needs. It suits franchise owners and businesses requiring property-backed funding or asset finance. The lender emphasises flexible terms and often brokered access to competitive loan packages.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • Quick application process
  • Flexible terms

Cons

  • Higher rates for bad credit

Sources: Source

3. Iwoca

Iwoca focuses on providing flexible and unsecured short-term loans tailored for small enterprises. It is suitable for franchise operators needing quick funding with flexible repayment options. Their service highlights speed of decision and no early repayment penalties.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Short-term Loans
  • Industries: Various

Pros

  • No early repayment fees
  • Quick decision

Cons

  • APR can be high for lesser credit profiles

Sources: Source

4. Barclays

Barclays provides traditional bank business loans suitable for a range of financing needs, including secured lending. Ideal for franchise owners looking for established banking partners, Barclays offers options with various repayment structures. Their solutions often require meeting standard bank criteria and collateral arrangements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • Comprehensive support
  • Established bank

Cons

  • Strict eligibility criteria

Sources: Source

5. Lloyds Bank

Lloyds Bank offers a broad range of business loans with flexible terms aimed at various business needs including secured lending. This provider fits franchise buyers looking for structured repayments over longer periods. Lloyds benefits from established banking infrastructure while requiring applicable security and credit checks.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans, Overdrafts
  • Industries: Various

Pros

  • Flexible loan terms
  • Various loan products

Cons

  • Eligibility criteria apply

Sources: Source

6. NatWest

NatWest provides a comprehensive suite of finance solutions including secured and unsecured loans tailored for different business sizes. Suitable for franchises seeking a balanced blend of short-term and long-term funding, NatWest offers customised products. The bank incorporates specialist advice and may specify loan terms by product.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Specified by product ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts, Credit Facilities
  • Industries: Various

Pros

  • Comprehensive banking solutions
  • Specialized advice

Cons

  • Higher requirements for larger loans

Sources: Source

7. Bizcap

Bizcap specialises in flexible lending solutions suitable for businesses needing quick access to funds, including those with credit challenges. It is well-suited for SMEs and franchise buyers requiring straightforward unsecured or secured loan options. The lender emphasises accessible finance with pragmatic approval processes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 24 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Fast approval
  • Bad credit accepted

Cons

  • Higher interest for low-credit borrowers

Sources: Source

8. White Oak UK

White Oak UK offers customised business financing solutions including secured loans and invoice finance options. This provider is fitting for franchises and SMEs needing timely funds with tailored service. They focus on flexible products supporting diverse industries and requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Various ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: Various

Pros

  • Large loan amounts
  • Quick fund access

Cons

  • Stringent security requirements

Sources: Source

9. Fleximize

Fleximize provides tailored business loans with adaptable terms for various SME funding needs. It is well suited for franchise owners requiring flexible repayment schedules and rapid access to finance. The lender’s offer includes secured and unsecured options with a focus on customer service.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Flexible finance options
  • Rapid funding

Cons

  • Higher fees for riskier borrowers

Sources: Source

10. Triodos Bank

Triodos Bank specialises in ethical banking and offers business loans targeted at organisations committed to positive social and environmental outcomes. It serves franchise buyers seeking impact-focused financing, often structured with flexibility. Loan terms may vary with a focus on responsible lending practices.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £20,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Ethical banking
  • High loan amounts available

Cons

  • Strict impact criteria

Sources: Source

How to choose

When selecting the best £700K secured business loan lender, consider your franchise’s specific funding needs and how loan size fits your budget. Evaluate APRs alongside eligibility requirements to ensure a good match with your financial situation. Speed of application and flexibility of repayment terms may be critical if cash flow varies. Assess whether collateral or security is required, and understand early repayment conditions. Consulting different provider types—banks, brokers, and specialists—can help identify optimal fit based on complexity and industry. Always review total costs and lender reputation before proceeding.

Conclusion

Choosing the right lender depends on your franchise’s financing purpose. Banks are typically suitable for larger, structured lending with collateral, while brokers like Funding Agent offer faster comparisons across multiple providers. Specialists can provide niche solutions for specific sectors or loan types. For a £700 thousand pounds loan, carefully weigh your priorities for speed, flexibility, and security. Always directly verify terms with lenders to ensure alignment with your business needs.

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FAQs

What is a secured business loan?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Nucleus Commercial FinanceNucleus Commercial Finance offers a variety of flexible business loans and finance solutions for SMEs, helping businesses grow with tailored funding options.£3,000–£2,000,000; 0%–0% APR; Unknown
3IwocaIwoca provides flexible loans to small businesses in the UK, with a focus on quick approvals and flexible repayment terms.£1,000–£1,000,000; 0%–0% APR; 1 to 24 months
4BarclaysBarclays Bank offers a multitude of business banking solutions including business loans designed to support businesses of various sizes with their financial needs.£1,000–£100,000; 0%–0% APR; Up to 10 years
5Lloyds BankLloyds Bank provides business loans with terms tailored to support different business needs and capacities, leveraging their broad financial service experience.£1,000–£1,000,000; 0%–0% APR; 1 to 25 years
6NatWestNatWest supports UK businesses by offering a range of finance options tailored to business size and needs, including short-term to long-term loan solutions.£1,000–£2,000,000; 0%–0% APR; Specified by product
7BizcapBizcap is known for offering flexible and accessible business loan options, catering to businesses in need of quick funds even with challenging credit.£5,000–£1,000,000; 0%–0% APR; Up to 24 months
8White Oak UKWhite Oak UK provides tailored business financing solutions to SMEs, helping them access necessary funds swiftly with personalized service.£5,000–£2,000,000; 0%–0% APR; Various
9FleximizeFleximize offers personalized business loans with flexible terms, suitable for a wide range of SMEs seeking growth and operational funds.£5,000–£500,000; 0%–0% APR; 3 to 60 months
10Triodos BankTriodos Bank focuses on ethical banking, providing business lending to support organizations committed to making a positive impact.£100,000–£20,000,000; 0%–0% APR; Variable
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