Best Lenders to Secure a 100k to 150k 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 2026-01-23.
Funding Agent focuses on brokering business finance options for UK SMEs via a streamlined comparison platform. It is typically suitable for SMEs looking for a range of financing choices with a fast and simple application process. Options vary in flexibility and security requirements, offering unsecured and working capital loans without lengthy commitments.
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
Fleximize provides both secured and unsecured loans designed for SMEs seeking flexible borrowing options. The lender commonly supports businesses requiring adaptable finance terms including secured lending and personal guarantees. Fleximize loans are aimed at borrowers valuing quick decisions and varied security arrangements to suit different business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 9.6%
- Max APR: 0%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Flexible loan terms
- Quick decision
Cons
- Personal guarantee required
Clifton Private Finance specialises in secured business loans tailored to specific business requirements. It generally suits businesses that can provide collateral and require larger loan amounts with structured repayment options. Borrowers benefit from solutions focused on customised security and term settings to meet individual company needs.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Secured
- Industries: Various
Pros
- Competitive rates
- High loan amounts
HSBC offers secured and unsecured business loans with fixed and variable rates to support growth and expansion. It typically suits businesses seeking stability over a longer term with a range of repayment options. HSBC loans often require creditworthiness checks and provide flexibility in terms of security and loan size.
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000,000
- Min APR: 5.7%
- Max APR: 18.9%
- Loan Duration: 12–240 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Long repayment period
- Low APR
Cons
- Strict credit requirements
Lloyds Bank provides both secured and unsecured business loans focused on competitive rates for sustainable growth. It is well suited for SMEs with existing banking relationships seeking predictable repayments and manageable borrowing limits. Lloyds emphasises straightforward lending for general business finance needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 8.9%
- Max APR: 15%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Smarter online lending
- Sustainable growth focus
Cons
- Limited to existing customers
Century Business Finance offers secured and unsecured finance solutions with quick approval suited for UK SMEs. It serves businesses needing rapid access to funds, usually involving flexible repayment options. This lender is often suitable for short to mid-term borrowing with a range of security provisions.
Loan Details
- Min Amount: £25,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Same-day approval
- Flexible repayment terms
Cons
- Interest rates vary widely
Moneysupermarket acts primarily as a comparison platform offering access to a variety of business loan products. It suits SMEs wanting to compare multiple secured and unsecured finance options without direct lending. The platform helps identify potential lenders with different terms and rates to fit various business profiles.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 6.9%
- Max APR: 29.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Wide comparison options
- Ease of use
NatWest provides a diverse range of secured and unsecured loans tailored to meet various business requirements. It generally suits UK SMEs seeking flexible finance with established banking support. NatWest loans include different terms and conditions to accommodate seasonal or growth-oriented cash flow cycles.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 10%
- Max APR: 15%
- Loan Duration: 12–84 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Flexible terms
- Established bank
Cons
- Higher APR for lower amounts
Barclays offers both fixed and variable rate business loans with options for secured and unsecured borrowing. It suits SMEs looking for flexibility and a reputable lender with varied product choices. Barclays focuses on providing borrowing structures aligned with different business scales and credit profiles.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 12.9%
- Max APR: 0%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- Reputable lender
- Multiple borrowing options
Iwoca specializes in flexible lending platforms for SMEs with options for secured and unsecured loans. It often suits businesses needing straightforward application processes and loans with variable terms. Iwoca provides user-friendly features and may offer favourable conditions for short-term borrowing without upfront fees on shorter durations.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Various
Pros
- No fees on 12-month loans
- User-friendly platform
How to choose
When seeking a secured business loan between 100k and 150k, focus on lenders that match your loan size and security preferences. Evaluate the annual percentage rates (APRs) and loan durations to ensure affordable repayments within your business cash flow. Confirm lender eligibility criteria to avoid unnecessary applications. Balance the speed of approval against the flexibility of terms offered. Consider whether collateral requirements and repayment types suit your business model. Research fees, including early repayment charges, before committing.
Conclusion
Choosing the right lender depends on your specific business needs. Banks offer stability and potentially lower rates for established companies, while brokers like Funding Agent provide access to multiple options quickly. Specialists may suit businesses requiring tailored or higher-value loans. Understanding lender types helps align borrowing strategies with your franchise goals. Always verify up-to-date terms before proceeding, especially for loans around 200 thousand pounds.