January 23, 2026
Lists
Square image with a black border and white background
Best Lenders to secure a 110k Secured Business Loan

Best Lenders to secure a 110k Secured Business Loan

Discover the best lenders offering secured business loans up to £110,000. Learn how to secure funding with favourable terms to grow your business confidently.
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 110k 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.

1. Funding Agent

Funding Agent focuses on providing UK SMEs with fast comparison of unsecured business loans and other finance options. It is suitable for businesses seeking working capital or short to medium-term funding with a straightforward application process. The platform offers quick eligibility checks, flexible loan structures, and 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

Sources: Funding Agent

2. Clifton Private Finance

Clifton Private Finance offers bespoke secured loans and commercial mortgages tailored for property acquisition and refinancing. It primarily serves UK SMEs and property investors needing personalized advice and substantial loan amounts. Their services usually involve security on commercial or residential property with flexible terms and potentially high loan-to-value options.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: Flexible terms ⌛

Services & Industries

  • Finance Types: Secured Loans, Commercial Mortgages
  • Industries: Property, Manufacturing

Pros

  • Wide range of loan amounts
  • Personalized advice

Cons

  • Requires significant collateral

Sources: Source

3. Funding Circle

Funding Circle is an online lender focusing on term loans for SMEs, suitable for working capital and business expansion. This provider is ideal for UK businesses looking for medium-term financing with competitive rates and relatively fast approval. Funding Circle offers transparent loan options with fixed repayments without requiring property security in most cases.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 15%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Term Loans
  • Industries: SMEs

Pros

  • Competitive rates
  • Quick approval

Cons

  • May have fees

Sources: Source

4. Time Finance

Time Finance specialises in secured loans and asset finance for UK SMEs, focusing on funding equipment and business assets. This lender suits businesses looking for mid-sized secured financing with competitive APRs and flexible terms. Their offerings commonly include fixed repayments and security on specific assets, supporting structured growth plans.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 9.9%
  • Max APR: 11.5%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: Various UK SMEs

Pros

  • Rapid funding decisions

Cons

  • Minimum loan thresholds

Sources: Source

5. Portman Finance Group

Portman Finance Group provides secured business loans and asset finance with customised terms for varied SME needs. This provider works well for businesses wanting flexible repayment schedules and options including no personal guarantees on qualifying deals. Loans are typically secured by assets and designed to support complex funding requirements across sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 30%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: Multiple sectors

Pros

  • Flexible terms
  • No PG options available

Cons

  • Interest rates vary widely

Sources: Source

6. Lloyds Bank

Lloyds Bank offers a broad range of secured business loans with a focus on sustainable growth and long-standing banking relationships. Their products are suited for SMEs needing predictable terms secured against assets, with fixed repayment schedules and thorough underwriting. The bank targets franchise buyers, manufacturers, and service providers seeking stable, moderate-sized financing.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans
  • Industries: Legal, Manufacturing, Retail, Healthcare

Pros

  • Trustworthy bank with broad experience

Cons

  • Higher minimum loan amount

Sources: Source

7. Swoop Funding

Swoop Funding offers brokered access to a broad range of secured loans, equity finance, and grants. It targets UK SMEs that need flexible funding solutions up to larger amounts, with varied repayment terms and collateral options. This platform helps businesses explore different lenders efficiently through a streamlined application process.

Loan Details

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

Services & Industries

  • Finance Types: Secured Loans, Equity Finance, Grants
  • Industries: Various sectors

Pros

  • Wide range of options
  • Easy application process

Cons

  • Requires collateral

Sources: Source

8. GoCompare

GoCompare is a comparison website providing transparent access to various business loan options. It is suitable for SMEs wanting to understand costs, terms, and lender features before applying. While not a lender itself, GoCompare allows quick assessment of products to help select the most fitting secured business loan.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 24%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Comparison Services
  • Industries: Various financial sectors

Pros

  • Comprehensive comparison
  • User-friendly platform

Cons

  • Not a direct lender

Sources: Source

9. MoneySuperMarket

MoneySuperMarket provides comparison tools to help SMEs locate competitive secured business loans with various lenders. Its platform is best for businesses seeking to save costs by reviewing multiple products side-by-side. Loan amounts may vary significantly, and some listings may lack complete details on maximum amounts or terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 10.8%
  • Max APR: 47.9%
  • Loan Duration: 3–48 months ⌛

Services & Industries

  • Finance Types: Comparison Services
  • Industries: Financial services

Pros

  • Compares a variety of lenders
  • Trusted brand

Cons

  • Loan amounts not specified

Sources: Source

10. Merchant Savvy

Merchant Savvy operates as a financial comparison service focusing on reviews and insights for SMEs seeking competitive business loans. It is appropriate for companies wanting quick access to various lenders and finance products. Merchant Savvy facilitates informed decisions through detailed comparisons but does not provide direct lending.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 29.9%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Comparison Services, Unsecured Loans
  • Industries: Financial comparisons

Pros

  • Wide array of lenders
  • Quick comparisons

Cons

  • Detailed terms not always visible

Sources: Source

How to choose

When seeking the best lenders for a 110k secured business loan, start by considering your business needs and loan purpose. Evaluate the loan amount, APR, and duration that fit your budget and cash flow. Check lenders’ eligibility requirements carefully, including collateral and personal guarantee terms. Balance the importance of application speed against the flexibility of loan terms. Use comparison platforms or brokers to access a range of options and ensure transparent costs before deciding.

Conclusion

Matching lender type to your use case is key. Banks often suit established businesses seeking predictable terms and security with moderate loan sizes. Brokers and comparison services help access a broader range of specialist lenders, ideal for unique or higher-risk financing. Specialist providers can offer tailored solutions with more flexible criteria, but terms may vary widely. Funding Agent provides an effective starting point for SMEs seeking quick comparisons of business loan options around 110 thousand pounds.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a secured business loan?
How can I qualify for a £110,000 secured business loan?
Which lenders offer the best rates for secured business loans in the UK?
What are the risks of taking a secured business loan?
How long does it take to get approved for a secured business loan?
Can a start-up business get a £110,000 secured business loan?

Get Funding For
Your Business

Generate offers
Cta image
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
2Clifton Private FinanceClifton Private Finance provides bespoke secured business loans, offering personalized solutions with loans ranging from £20,000 to £25 million.£20,000–£25,000,000; 7%–20% APR; Flexible terms
3Funding CircleFunding Circle is a prominent online platform offering term loans and other financial services to SMEs, with loans up to £750,000 and competitive interest rates.£10,000–£750,000; 6.9%–15% APR; 6–72 months
4Time FinanceTime Finance specializes in offering secured business loans and asset finance solutions, supporting SMEs with loans between £50,000 to £500,000.£50,000–£500,000; 9.9%–11.5% APR; Up to 5 years
5Portman Finance GroupPortman Finance provides tailored business loans and asset finance solutions for UK SMEs, specialising in flexible finance arrangements.£10,000–£2,000,000; 6.9%–30% APR; 3 months to 6 years
6Lloyds BankLloyds Bank offers a full range of secured business loans with competitive terms for various needs, focusing on helping businesses grow sustainably.£25,000–£50,000; 11.2%–11.2% APR; 1 to 5 years
7Swoop FundingSwoop Funding specializes in streamlined access to secured loans, equity finance, and grants, serving UK SMEs with flexible funding needs up to £5 million.£25,000–£5,000,000; 3.9%–12% APR; 1 to 10 years
8GoCompareGoCompare serves as a comparison site for business loans, ensuring transparency in loan features and costs, helping UK SMEs make informed decisions.£10,000–£750,000; 6.9%–24% APR; Unknown
9MoneySuperMarketMoneySuperMarket offers comparison services that enable SMEs to find the best secured business loan options, ensuring they save money across various services.£10,000–£0; 10.8%–47.9% APR; 3–48 months
10Merchant SavvyMerchant Savvy is a UK-based financial comparison service, providing insights and reviews for SMEs seeking competitive business loans.£1,000–£500,000; 6.9%–29.9% APR; 6–60 months
Apply now