April 14, 2026
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Best £750K Secured Business Loan Lenders

Discover the best £750K secured business loan lenders in the UK. Compare rates, terms, and find the right funding solution to grow your business confidently.
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Best £750K Secured Business Loan Lenders
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best £750K 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 focuses on helping UK SMEs quickly compare a variety of unsecured business finance options through a streamlined digital process. It is suitable for franchise buyers and small businesses seeking fast eligibility checks without collateral. The platform prioritizes speed and transparency, offering multiple product types via a brokered approach.

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. Funding Circle

Funding Circle offers secured and unsecured loans primarily for small to medium UK businesses, specialising in streamlined digital applications. It is suitable for franchise buyers looking for competitive interest rates and flexible repayment options. The lender focuses on speed of decision and transparent loan terms without requiring property security.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 12.25%
  • Loan Duration: 12 months to 5 years ⌛

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: Small and Medium Enterprises (SMEs)

Pros

  • Quick decision making
  • No early repayment fees

Cons

  • Interest rates can vary based on credit

Sources: Source

3. Barclays

Barclays provides traditional bank business loans with fixed and variable interest rates, catering to small and medium UK enterprises. It suits franchise owners prioritising flexible loan terms and the option for secured or unsecured financing. Barclays emphasises reliability and established banking services with standard application times.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.2%
  • Max APR: 12.9%
  • Loan Duration: 1 year to 5 years ⌛

Services & Industries

  • Finance Types: Business Loans, Business Mortgages
  • Industries: Various Businesses

Pros

  • Flexible terms
  • No early repayment fees

Cons

  • Relatively high minimum APR

Sources: Source

4. NatWest

NatWest offers a range of business loans designed for UK SMEs, with an emphasis on accessible online applications and support. It is suitable for franchises requiring clear terms and a mix of secured and unsecured finance options. NatWest provides flexibility in repayment terms and generally standard security requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 13%
  • Loan Duration: 1 year to 7 years ⌛

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: Small and Medium Enterprises (SMEs)

Pros

  • Easy to apply online
  • Comprehensive support

Cons

  • Higher interest rates for certain profiles

Sources: Source

5. iwoca

iwoca focuses on providing highly flexible business loans with quick decision times for UK SMEs. It is a good fit for franchises needing short-term or bridging finance, often without traditional security requirements. iwoca offers speed and adaptability for varied business needs with competitive but variable interest rates.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 49%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Flexible Business Loans
  • Industries: Small Businesses

Pros

  • Fast funding
  • No early repayment fees

Cons

  • Interest can be high

Sources: Source

6. Metro Bank

Metro Bank provides a variety of commercial loan products suitable for UK SMEs including secured loans with flexible repayment. Ideal for franchise operators needing relationship banking and tailored lending solutions. Metro Bank offers hands-on service and diverse options for financing business growth or cash flow demands.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £60,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: 1 year to 5 years ⌛

Services & Industries

  • Finance Types: Commercial Loans
  • Industries: Commercial Enterprises

Pros

  • Tailored loan options
  • Relationship banking

Cons

  • Lower maximum loan amount

Sources: Source

7. Lloyds Bank

Lloyds Bank delivers a broad range of business loans and overdraft facilities geared toward small and medium-sized enterprises. It suits franchise buyers looking for flexible loan structures backed by an established lender. Lloyds offers options with variable repayment terms and financial products designed to support growth.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 11.2%
  • Max APR: 29.9%
  • Loan Duration: 3 to 72 months ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: General Business

Pros

  • Strong financial backing
  • Flexible terms

Cons

  • Higher APR for some

Sources: Source

8. HSBC

HSBC specialises in business lending tailored for small businesses, with a focus on fixed-rate loans and flexible funding options. It suits franchise buyers who value global banking infrastructure and clear loan terms. HSBC offers a variety of repayment options and service levels to accommodate different business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 22.9%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Small Business Loans, Commercial Loans
  • Industries: Small Businesses

Pros

  • Global presence
  • Flexible terms

Cons

  • Lower maximum loan amount

Sources: Source

9. Santander

Santander provides business loans including fixed and variable rate products aimed at corporate and commercial clients. It is suitable for franchise businesses comfortable with flexible repayment periods and standard underwriting processes. Santander offers a range of secured and unsecured lending tailored towards growing or established enterprises.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £0
  • Min APR: 7.9%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Corporate and Commercial Businesses

Pros

  • Flexible repayment periods
  • No interest for the first 12 months

Cons

  • Minimum loan amount is higher

Sources: Source

10. Aldermore

Aldermore specialises in tailored business finance with a focus on term loans and invoice financing for growing UK businesses. It suits franchise buyers looking for secured lending solutions with competitive fixed rates. Aldermore prioritises businesses aiming for growth and offers financing with a focus on secured or partially secured structures.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 3.54%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Term Loans, Invoice Finance
  • Industries: Growing Businesses

Pros

  • Specialized lender
  • Competitive fixed rates

Cons

  • Focus on secured loans

Sources: Source

How to choose

When selecting the best £750K secured business loan lender, consider the type of financing that suits your franchise needs, whether secured or unsecured. Assess the loan size and APR alongside your business cash flow and repayment capacity. Evaluate lender eligibility criteria, including collateral requirements and speed of funding. Flexibility in repayment terms and potential fees can significantly impact your financing experience. It is important to understand whether you prefer dealing directly with banks or through brokers offering wider options. Always review the full terms and conditions before committing.

Conclusion

Choosing the right lender depends on your specific business needs and financial situation. Banks often provide established services with varying security and loan term options. Brokers may offer faster access and a broader set of loan products but with less predictability on rates. Specialists can cater to niche sectors or loan types. Funding Agent is a strong choice for SMEs needing quick comparison across different sources. Matching your use case with the lender type ensures better fit and potentially smoother funding for your business under a 750 thousand pounds 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
2Funding CircleFunding Circle is a leading platform for small business loans in the UK, offering loans up to £750,000 with competitive interest rates.£10,000–£750,000; 6.9%–12.25% APR; 12 months to 5 years
3BarclaysBarclays offers a range of business finance options, including loans with both fixed and variable rates and flexible terms.£1,000–£25,000; 11.2%–12.9% APR; 1 year to 5 years
4NatWestNatWest provides various business finance solutions, including loans for UK businesses with easy online application processes.£1,000–£500,000; 8%–13% APR; 1 year to 7 years
5iwocaiwoca offers flexible business loans that can be tailored to fit business needs, with quick decisions and competitive interest rates.£1,000–£1,000,000; 18%–49% APR; 1 day to 24 months
6Metro BankMetro Bank provides various business lending options, including commercial loans with both short and long term repayment periods.£2,000–£60,000; 9.6%–0% APR; 1 year to 5 years
7Lloyds BankLloyds Bank offers various business loan solutions supporting small to medium businesses with flexible financial products.£5,000–£500,000; 11.2%–29.9% APR; 3 to 72 months
8HSBCHSBC provides business loans tailored for small businesses, with competitive fixed rates and various funding options.£1,000–£25,000; 11.3%–22.9% APR; 1 to 10 years
9SantanderSantander offers business loans with competitive interest rates, including options for both fixed and variable loans.£25,001–£0; 7.9%–0% APR; 1 to 5 years
10AldermoreAldermore Bank provides specialized business finance options, including loans tailored for growth and success.£25,000–£2,000,000; 3.54%–0% APR; 3 to 60 months
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