Best Business Loan Lenders for Security Companies
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 2026-03-16.
Funding Agent focuses on providing a streamlined comparison platform for UK SMEs seeking business finance. It is suitable for franchise buyers and small business operators needing straightforward eligibility checks and quick application processing. The service emphasises transparency and offers unsecured loan options without collateral requirements.
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
Rangewell offers access to a broad range of business finance products including secured and unsecured loans, tailored for UK businesses. The provider is suitable for franchise buyers and companies requiring asset financing with a focus on flexible loan structures. Rangewell emphasises market-wide comparison to deliver competitive APRs and brokered access to various lenders.
Loan Details
- Min Amount: £25,000
- Max Amount: £500,000
- Min APR: 3.5%
- Max APR: 12%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans, Asset Finance
- Industries: Professional, Retail, Restaurants
Pros
- Comprehensive loan options
- Low APR for secured loans
Cons
- High minimum loan amounts
- Limited unsecured options
Capify specialises in fast, flexible small business loans and merchant cash advances for UK SMEs. It is suitable for franchises and small companies seeking rapid funding with flexible repayment options. The provider offers options that do not always require collateral, catering well to businesses needing quick access to working capital.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 67.89%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Short Term Loans, Merchant Cash Advance
- Industries: General SMEs, Hospitality, Retail
Pros
- Quick approval
- Flexible terms
Cons
- High APR for some products
- Short loan terms
OakNorth provides large-scale flexible business loans targeting high-growth UK SMEs. It suits businesses, including franchises, needing substantial funding often secured against assets. The lender focuses on tailored financing for established companies, offering loan products designed for longer terms and higher amounts.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Large Business Loans, Sector-Specific Financing
- Industries: Entrepreneurial SMEs, Real Estate, Hospitality
Pros
- Large funding amounts
- Sector expertise
Cons
- High entry-level loan amount
- Limited to large scale loans
Time Finance delivers a variety of flexible financial products including asset and invoice finance suited for established UK businesses. It is appropriate for franchisees and SMEs requiring secured and secured lending with flexible repayment schedules. The provider prioritises adaptable solutions to fit diverse business needs.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Asset Finance, Invoice Finance, Secured Loans
- Industries: SMEs, Tech start-ups, Manufacturing
Pros
- Flexible terms
- Quick decisions
Cons
- Limited to existing businesses
- Documentation required
Bionic provides access to a wide range of secured business loans from multiple UK lenders. It is suitable mainly for franchises and small businesses seeking tailored advice and brokered finance solutions secured against assets. The provider focuses on connecting borrowers to a network rather than lending directly.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Business Loans
- Industries: Retail, Construction, Tech
Pros
- Wide provider network
- Tailored advice
Cons
- No direct lending
- Middleman fees
Time Finance offers flexible finance products tailored to SMEs, focusing on unsecured loans and asset financing. It suits franchise operators and small businesses needing adaptable repayment terms and a variety of loan options. The provider is known for personalised support and a broad product range.
Loan Details
- Min Amount: £15,000
- Max Amount: £1,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Unsecured Loans, Asset Financing
- Industries: Manufacturing, Retail, Health
Pros
- Wide range of products
- Dedicated support
Cons
- Interest rates vary widely
- Not available for start-ups
Portman Finance focuses on secured loans for SMEs, specialising in property and asset-backed finance. It suits franchises and businesses requiring lower interest rates secured on tangible assets. The provider offers longer terms and typically requires collateral as part of its loan agreements.
Loan Details
- Min Amount: £50,000
- Max Amount: £2,500,000
- Min APR: 5%
- Max APR: 10%
- Loan Duration: 12–120 months ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: SMEs, Construction, Real Estate
Pros
- Lower interest rates for secured loans
- Larger loan volumes
Cons
- Collateral required
- Long approval times
Maf Finance Group arranges secured loans and funding solutions for a variety of UK businesses, including franchises. It is suited for companies requiring asset-backed finance and flexible funding options. This provider focuses on expert advice and tailored loan structures for specific industry needs.
Loan Details
- Min Amount: £50,000
- Max Amount: £2,000,000
- Min APR: 5%
- Max APR: 15%
- Loan Duration: 12–84 months ⌛
Services & Industries
- Finance Types: Secured Loans, Invoice Finance
- Industries: Agriculture, Manufacturing, Professional services
Pros
- Expert financial advice
- Diverse financing options
Cons
- Requires secured assets
- Complex application process
Capify provides flexible merchant cash advances and business loans tailored to smaller UK businesses and franchises. It is suitable for borrowers looking for quicker funding with adaptable repayment options. The company offers products with a range of APRs, catering to businesses that prefer flexibility without fixed repayments.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 80%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Business Loans
- Industries: Retail, Hospitality, Service
Pros
- Easy application process
- No fixed repayments
Cons
- Very high APR
- Short repayment period
How to choose
When choosing the best business loan lenders for security companies, consider your specific lending needs such as loan amount, term length, and repayment flexibility. Assess whether you need secured or unsecured finance, as this will affect collateral requirements and interest rates. Compare APRs carefully, balancing cost against the speed of access to funds. Evaluate eligibility criteria and check if the lender specialises in franchises or security businesses. Use brokers or platforms to compare multiple offers efficiently, but also consider direct lenders for straightforward needs. Always review additional fees, terms, and repayment options to suit your cash flow cycle.
Conclusion
Choosing the right lender depends on your particular business needs, whether you require direct bank loans, brokered access, or specialist lenders. For quick comparisons across various options including unsecured and secured loans, Funding Agent remains a useful choice. Larger loan requirements or asset-backed financing often suit specialist or property-focused lenders. Brokers can provide valuable access to diverse markets but may involve additional fees. Understanding your business situation and loan purpose is key to selecting the most appropriate provider for a 200 thousand pounds loan or other specific sums.
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