April 14, 2026
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Best £900K Secured Business Loan Lenders

Discover the best secured business loan lenders offering up to £900,000 in the UK. Compare rates, terms, and find the ideal loan to grow your business securely.
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Best £900K Secured Business Loan Lenders
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best £900K 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 providing a streamlined comparison service for UK SMEs seeking various business finance options. It is suitable for franchise buyers and small business operators looking for fast application processes and flexible eligibility. The platform offers clarity on loan terms and supports unsecured and working capital finance 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

Sources: Funding Agent

2. Nucleus Commercial Finance

Nucleus Commercial Finance specialises in flexible business loans, offering secured and unsecured options for SMEs. Their loans suit businesses needing tailored terms with some degree of collateral. The provider balances negotiation options with an emphasis on adaptable repayment schedules and brokered access to lending markets.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: General

Pros

  • Fast approval process
  • Flexible terms

Cons

  • Higher rates for unsecured loans

Sources: Source

3. Iwoca

Iwoca concentrates on flexible short-term business loans for UK SMEs, typically suited for working capital or immediate funding needs. The lender offers fast decisions with minimal upfront collateral requirements. Repayment structures are designed for borrowers seeking straightforward terms over shorter durations.

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: Business loans
  • Industries: Various

Pros

  • Fast decision
  • No early repayment fees

Cons

  • Higher cost for shorter terms

Sources: Source

4. Barclays

Barclays provides a broad range of unsecured business loans aimed at UK SMEs, with a focus on bank lending services. It is suitable for borrowers seeking stable financing solutions backed by established institutions. The lender emphasises product choice, support, and traditional repayment options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured business loans
  • Industries: Various

Pros

  • Wide product range
  • Strong support network

Cons

  • Long approval process

Sources: Source

5. Lloyds Bank

Lloyds Bank offers business loans focusing on competitive fixed rates and traditional banking products for UK SMEs. It is suited for established businesses requiring secured financing and more formal qualification criteria. The bank emphasises clear terms, online applications, and structured repayment plans.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Business loans
  • Industries: General

Pros

  • Competitive rates
  • Online application

Cons

  • Strict eligibility criteria

Sources: Source

6. NatWest

NatWest provides a range of small business loans aimed at UK SMEs looking for flexible borrowing options. It suits businesses seeking customer-oriented services with moderate loan amounts. The lender offers straightforward applications and adaptable repayment terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible terms ⌛

Services & Industries

  • Finance Types: Small business loans
  • Industries: Small business

Pros

  • Flexible borrowing
  • Customer-friendly services

Cons

  • Limited maximum loan size

Sources: Source

7. Bizcap

Bizcap targets UK businesses with poor credit histories, offering loans with fast approval and minimal upfront checks. This lender is suited for SMEs requiring quick access to both secured and unsecured funding. The approach focuses on speed and simplified qualification rather than extensive collateral requirements.

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: General

Pros

  • Fast approval
  • No credit check required

Cons

  • Potential high APR

Sources: Source

8. White Oak UK

White Oak UK offers various SME financing solutions including business loans and invoice finance, serving small and medium businesses. It is suitable for borrowers needing higher loan limits with flexible structures. The lender’s products typically balance speed and complexity in eligibility criteria for diverse sectors.

Loan Details

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

Services & Industries

  • Finance Types: Business loans, Invoice finance
  • Industries: Small and medium businesses

Pros

  • High loan limits
  • Fast processing

Cons

  • Complex eligibility criteria

Sources: Source

9. Century Business Finance

Century Business Finance provides UK SMEs with fast access to small business loans, focusing on transparency and straightforward approval. It fits businesses looking for moderate loan amounts with predictable terms. The lender favours clear communication and supports various industry sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Small business loans
  • Industries: Various

Pros

  • Same-day approval
  • Transparent process

Cons

  • Broker fees

Sources: Source

10. Funding Circle

Funding Circle operates as a peer-to-peer lending platform offering loans to UK SMEs. It suits businesses seeking rapid loan decisions and flexible repayment terms without traditional bank constraints. Funding Circle is often chosen by borrowers prioritising speed and alternative lending sources over conventional banking.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Peer-to-peer loans
  • Industries: Various

Pros

  • Quick decisions
  • Flexible repayments

Cons

  • Fees may apply

Sources: Source

How to choose

When selecting the best secured business loan lenders up to £900,000, consider matching the loan amount and APR to your financial capacity and business needs. Check eligibility criteria carefully, including security requirements and repayment options. Balance the urgency of funding with the flexibility of terms and fees. Review how repayment schedules align with your cash flow and seasonal variations. Assess whether a traditional bank, broker, or specialist lender best fits your situation. Always confirm current lender fees and conditions before committing.

Conclusion

Choosing the right lender depends on your specific business use case. Banks usually offer established products best suited for steady borrowers seeking traditional loans. Brokers can provide access to multiple lenders and tailored packages, often useful for complex needs. Specialist lenders might offer more flexible terms but may come with higher costs. Funding Agent remains a strong resource for quickly comparing multiple options when seeking loans around 900 thousand pounds. Always evaluate terms and costs to find the best match for your business.

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FAQs

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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 flexible business loans in the UK, catering to small and medium enterprises with offerings from £3k to £2m.£3,000–£2,000,000; 0%–0% APR; Up to 5 years
3IwocaIwoca provides business loans in the UK with a focus on flexibility, offering loans from £1,000 to £1,000,000 with terms up to 24 months.£1,000–£1,000,000; 0%–0% APR; 1 to 24 months
4BarclaysBarclays offers a range of business loans to support SMEs in the UK, with unsecured lending up to £100,000.£1,000–£100,000; 0%–0% APR; 1 to 5 years
5Lloyds BankLloyds Bank provides financing solutions for UK businesses, including business loans with competitive fixed rates.£1,000–£1,000,000; 11.2%–0% APR; 1 to 10 years
6NatWestNatWest offers a variety of lending options for UK businesses, including small business loans up to £100k for customers.£1,000–£100,000; 0%–0% APR; Flexible terms
7BizcapBizcap caters to UK businesses with bad credit, offering loans from £5k to £1M with fast approval and no up-front credit checks.£5,000–£1,000,000; 0%–0% APR; Unknown
8White Oak UKWhite Oak UK offers a variety of SME business financing solutions, including loans up to £2 million.£5,000–£2,000,000; 0%–0% APR; Up to 5 years
9Century Business FinanceCentury Business Finance assists UK SMEs with quick access to funding, offering loans up to £250k.£10,000–£250,000; 0%–0% APR; 1 to 5 years
10Funding CircleFunding Circle is a peer-to-peer lending platform, providing UK SMEs with loans up to £750k, known for rapid decisions and flexible repayment options.£5,000–£750,000; 0%–0% APR; Up to 5 years
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