January 22, 2026
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Best Lenders to secure a 100k Secured Business Loan

Best Lenders to secure a 100k Secured Business Loan

Discover the best lenders offering secured business loans of £100,000. Compare rates, terms, and eligibility to secure the right loan for your business needs.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Lenders to secure a 100k Secured Business Loan

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 2026-01-22.

1. Funding Agent

Funding Agent provides a platform for UK SMEs to quickly compare various business finance options. This lender focuses on fast application processing with quick eligibility checks, suitable for businesses seeking straightforward financing without collateral. The platform offers multiple loan types and aims for transparency and ease in borrowing.

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. HSBC

HSBC offers a range of business loans, including secured and unsecured options. Their services suit SMEs looking for reliable lending with the backing of a major bank. Typical borrowers benefit from flexible repayment terms and a wide loan range, though some lending requires collateral and credit checks.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 5.7%
  • Max APR: 18.9%
  • Loan Duration: 1–10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loan, Unsecured Business Loan
  • Industries: All sectors

Pros

  • Worldwide banking network
  • Flexible repayment options

Cons

  • May require collateral
  • Stringent credit requirements

Sources: Source

3. Portman Finance Group

Portman Finance Group focuses on providing tailored secured and unsecured loans to UK SMEs. It suits borrowers seeking flexible financing options with competitive rates. Loan offerings include asset and equipment finance, with access often brokered for specialised business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 4.4%
  • Max APR: 30%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Equipment Finance
  • Industries: General Business

Pros

  • High loan amounts
  • No personal guarantee options

Cons

  • High APR for unsecured loans
  • Strict eligibility criteria

Sources: Source

4. Swoop Funding

Swoop Funding acts as a platform connecting businesses with a diverse range of lenders via one application process. It suits UK SMEs seeking accessible secured loans with competitive terms. The lender network offers options that balance speed and flexibility, with clearance dependent on borrower criteria.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 3.9%
  • Max APR: 12%
  • Loan Duration: 1–10 years ⌛

Services & Industries

  • Finance Types: Secured Loan
  • Industries: All sectors

Pros

  • Wide range of lenders
  • Quick approval

Cons

  • Possibility of high rates
  • Strict terms

Sources: Source

5. Barclays

Barclays is a major bank providing customized business loans with fixed and variable interest rates. Their offerings suit a broad range of business sizes requiring significant capital. The lender supports multiple finance types and repayment plans, though applications may require more documentation.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Secured Loan, Unsecured Loan, Overdrafts
  • Industries: Multiple sectors

Pros

  • Large loan amounts
  • Comprehensive financial services

Cons

  • Complex application process
  • High eligibility criteria

Sources: Source

6. MAF Finance Group

MAF Finance Group delivers various financial products including business and asset finance aimed at supporting SMEs. Its services suit businesses needing flexible funding and working capital solutions. Application processes may involve multiple lenders and varied terms depending on specific SME requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 18.5%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Business Loan, Asset Finance
  • Industries: Various

Pros

  • Access to many lenders
  • No upfront fees

Cons

  • Limited to UK applications
  • Complex documentation

Sources: Source

7. Norton Finance

Norton Finance supplies secured and unsecured loan options with flexibility in repayment to a variety of UK businesses. It suits companies that need personalised lending products and multiple loan sizes. Borrowers should consider that APR ranges may be wide depending on risk and collateral offered.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £500,000
  • Min APR: 6.59%
  • Max APR: 65.2%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Secured Loan, Unsecured Loan
  • Industries: Various sectors

Pros

  • Flexible lending
  • Multiple loan sizes

Cons

  • High maximum APR
  • May require collateral

Sources: Source

8. Clifton Private Finance

Clifton Private Finance offers bespoke loan solutions designed for businesses needing fast decisions and competitive rates. It generally serves borrowers requiring secured lending tailored to property or business assets. The lender is suited to those who prioritise speed and custom loan structuring.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 25%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Secured Loan
  • Industries: Real Estate, General Business

Pros

  • Bespoke solutions
  • Quick funding

Cons

  • High interest rates
  • Limited loan types

Sources: Source

9. 365Finance

365Finance provides innovative financing that does not involve fixed terms or monthly repayments. This lender suits businesses that want revenue-based finance with flexible payback options. Ideal for sectors like retail and hospitality where cash flow may vary.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Revenue-Based Finance
  • Industries: Retail, Hospitality

Pros

  • Flexible repayment
  • High approval rate

Cons

  • No defined APR
  • Variable repayment

Sources: Source

10. Spark Finance

Spark Finance offers tailored business funding solutions including secured and unsecured loans often for larger amounts. It is suitable for SMEs requiring flexible terms and competitive rates, with options for asset finance as well. Borrowers should weigh repayment flexibility against lending conditions.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Secured Loan, Unsecured Loan, Asset Finance
  • Industries: Tech, Manufacturing

Pros

  • Flexible solutions
  • Competitive rates

Cons

  • Strict terms
  • May require personal guarantee

Sources: Source

How to choose

When seeking the best lender to secure a 100k secured business loan, consider the type of financing needed and your business profile. Evaluate lenders’ speed of approval, collateral requirements, and flexibility in repayment options. Assess the loan amount and APR in relation to your budget, and check eligibility criteria carefully. Consider whether you prefer dealing directly with banks, brokers, or specialist lenders to match your needs. Take note of terms around early repayment and any fees to avoid surprises. Always align the loan structure with your franchise’s cash flow and seasonal cycles.

Conclusion

Choosing the right lender depends on your specific use case: traditional banks typically suit borrowers who need larger amounts and established credit, while brokers connect you to specialist lenders for tailored options. Specialists may offer faster decisions or niche products but often at higher costs. Funding Agent remains a solid choice for SMEs seeking quick comparisons across multiple loan options. To secure a 100 thousand pounds loan, carefully review all terms and lender requirements before applying. Matching the lender type to your business needs improves the chances of getting suited financing.

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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
2HSBCHSBC offers a variety of business loans designed to meet the needs of small and medium-sized enterprises, with competitive fixed and variable APR rates.£1,000–£25,000; 5.7%–18.9% APR; 1–10 years
3Portman Finance GroupPortman Finance Group provides tailored business loans to UK SMEs, offering a range of secured and unsecured options with competitive rates.£10,000–£2,000,000; 4.4%–30% APR; 3–72 months
4Swoop FundingSwoop Funding specializes in helping businesses find the best funding options through a single application process.£25,000–£5,000,000; 3.9%–12% APR; 1–10 years
5BarclaysBarclays offers customized business loans with fixed and variable rates, supporting businesses of all sizes.£1,000–£25,000,000; 5%–20% APR; 6–120 months
6MAF Finance GroupMAF Finance Group provides comprehensive financial solutions including business loans, asset finance, and working capital support for SMEs.£5,000–£2,000,000; 5%–18.5% APR; 3–72 months
7Norton FinanceNorton Finance offers flexible business loan options tailored to the needs of UK businesses, with secured and unsecured lending solutions.£3,000–£500,000; 6.59%–65.2% APR; 6–120 months
8Clifton Private FinanceClifton Private Finance specializes in bespoke business loan solutions, offering fast funding decisions and competitive rates.£50,000–£500,000; 8%–25% APR; 6–60 months
9365Finance365Finance offers innovative financing options with no fixed terms or monthly payments, catering to a wide range of business funding needs.£10,000–£500,000; 0%–0% APR; Flexible
10Spark FinanceSpark Finance provides tailored business funding solutions, including large business loans with competitive interest rates.£100,000–£1,000,000; 5%–15% APR; 6–72 months
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