Best £800K 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.
Funding Agent provides brokerage services to help UK SMEs compare and access various business finance options quickly. It is suitable for those seeking unsecured loans with a straightforward application process and fast eligibility checks. The provider emphasises speed, multiple lending options, and ease of use without requiring 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
Nucleus Commercial Finance focuses on flexible secured and unsecured business loans for UK SMEs. It is best suited for businesses needing tailored lending solutions with brokered access to multiple loan products. The service offers flexibility in terms and funding options, while speed and security requirements may vary by product.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Secured Business Loans
- Industries: Small to Medium Enterprises
Pros
- Rapid decision
- Range of funding options
Cons
- Higher rates for unsecured loans
iwoca specialises in providing quick and flexible business loans to UK SMEs, focusing on unsecured lending with fast decisions and funding. It is suited for businesses needing short to medium-term working capital with simple repayment options. Security is generally not required, making it accessible for diverse sectors.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 1.5%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Business Loans, Working Capital Loans
- Industries: Retail, Services
Pros
- Fast application process
- No early repayment fees
Barclays is a traditional bank offering a range of business loans including secured and unsecured products. It typically suits businesses seeking established lenders with flexible borrowing options and swift approval decisions. The bank provides various repayment structures and is geared to support business growth in different sectors.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 48 hours for approval ⌛
Services & Industries
- Finance Types: Business Loans, Commercial Mortgages
- Industries: Various sectors
Pros
- Flexible terms
- Established lender
Cons
- Shorter maximum loan amounts
Lloyds Bank offers fixed rate business loans suited to UK enterprises looking for stable repayment terms and established banking relationships. It typically serves a broad range of business needs with options tailored for various industry sectors. The provider focuses on longer-term loans with predictable costs and structured repayments.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 11.2%
- Max APR: 0%
- Loan Duration: 1 year and above ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Various sectors
Pros
- Trusted UK bank
- Various borrowing options
NatWest provides a variety of business loan options with fixed and variable rates for UK businesses. It is suitable for companies seeking flexible loan structures and larger borrowing amounts from a mainstream lender. NatWest offers diverse repayment plans and lending solutions tailored to general business needs.
Loan Details
- Min Amount: £25,001
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 year and above ⌛
Services & Industries
- Finance Types: Fixed Rate Business Loans, Variable Rate Loans
- Industries: General Business
Pros
- Flexible loan structures
- Large amount options
Bizcap offers fast, flexible secured and unsecured business loans with no upfront credit checks, serving UK SMEs and startups. It is generally suitable for businesses with variable credit profiles requiring quick decisions. The provider focuses on accessible funding with a straightforward application process and flexible loan terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans, Unsecured Business Loans
- Industries: Small Businesses, Startups
Pros
- Fast approval
- Catered to businesses with less than perfect credit
White Oak UK specialises in providing SME business finance solutions, including secured loans and invoice finance. It is suitable for businesses seeking development and expansion funding with flexible terms. The provider offers tailored credit lines and financing structures adapted to various SME sectors.
Loan Details
- Min Amount: £20,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Invoice Finance
- Industries: SMEs
Pros
- Specialist SME provider
- Flexible solutions
Cons
- Complex application process
Time Finance offers secured business loan products with flexible repayment plans tailored to UK businesses. It is appropriate for companies requiring medium-term secured funding with structured repayment flexibility. The provider focuses on loans secured against business assets, offering tailored solutions across various sectors.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Secured Business Loans
- Industries: Various sectors
Pros
- Tailored loans
- Flexible repayment plans
Cons
- Lower loan ceiling compared to other offerings
Clifton Private Finance specialises in offering lending advice and finance solutions including secured and unsecured business loans. It is suited for UK enterprises seeking personalised brokering services for complex funding needs. The company focuses on professional guidance and access to various financial products, including commercial asset refinancing.
Loan Details
- Min Amount: £50,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Commercial Asset Refinancing
- Industries: Various enterprises
Pros
- Fast access to capital
- Professional advice
Cons
- Specializes in finance brokering
How to choose
When selecting a secured business loan up to £800,000, consider the lender type and your business needs carefully. Banks typically offer stability and structured repayment plans but may have stricter eligibility and slower approval times. Brokers and specialist lenders provide faster access, more flexible terms, and access to niche products but may involve more complex application processes or fees. Evaluate the loan size, APR, security requirements, and repayment options against your cash flow. Check lender criteria, fees, and early repayment policies. Match your franchise or business specific needs to a suitable provider to ensure a good fit.
Conclusion
Choosing the right lender depends on your funding purpose and financial profile. Traditional banks offer reliable options for steady, longer-term financing. Brokers and specialist providers can facilitate access to varied or niche products with different conditions. Funding Agent remains a useful starting point for quick comparisons. For loans around 800 thousand pounds, align lender offerings with your business model, speed preferences, and collateral availability to find the best fit.
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