January 23, 2026
Lists
Square image with a black border and white background
Best Lenders to secure a 130k Secured Business Loan

Best Lenders to secure a 130k Secured Business Loan

Discover the best lenders offering secured business loans up to £130,000. Compare rates, terms, and find the ideal loan for your UK 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 130k 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 helping UK SMEs quickly compare a range of business finance options. It is typically suitable for businesses seeking straightforward and accessible funding solutions without requiring collateral. The platform offers a fast and simple application process, delivering flexible terms and easy eligibility matching.

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 is a global bank offering a broad range of commercial banking services including business loans. This lender suits franchises and SMEs that prefer established, regulated providers with varying loan options. They offer flexible repayment choices and may require collateral depending on the loan type.

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: SME Loans, Commercial Real Estate
  • Industries: Real Estate, Manufacturing

Pros

  • Strong global presence
  • Comprehensive business support

Cons

  • Strict eligibility criteria

Sources: Source

3. Portman Finance Group

Portman Finance Group specialises in brokering and lending business finance suited to UK SMEs. It is appropriate for companies looking for asset-backed, unsecured, or secured business loans through a broker. The offering includes options with varied security requirements and flexible repayments.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 30%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Unsecured Loans
  • Industries: SMEs, Manufacturing

Pros

  • No personal guarantee options
  • Fast approval

Cons

  • Variable rates can be high

Sources: Source

4. Swoop Funding

Swoop Funding acts as an intermediary platform that connects businesses with various finance options including loans, equity, and grants. It is helpful for SMEs seeking multiple types of funding with moderate flexibility in terms and eligibility. Collateral requirements depend on the individual funders involved.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Loans, Equity Finance, Grants
  • Industries: Startups, SMEs

Pros

  • Broad funding spectrum
  • Efficient matching process

Cons

  • Eligibility varies by lender

Sources: Source

5. Barclays

Barclays is a large UK bank providing a variety of secured business loans and banking services. It suits SMEs looking for regulated lenders with fixed or variable rates, and those requiring options on collateral and loan structuring. Offering both flexibility and a broad service range, Barclays supports diverse business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.2%
  • Max APR: 34.5%
  • Loan Duration: 1–10 years ⌛

Services & Industries

  • Finance Types: Business Loans, Mortgages
  • Industries: Healthcare, Technology

Pros

  • No early repayment fees
  • Comprehensive service range

Cons

  • Higher APR for smaller loans

Sources: Source

6. MAF Finance Group

MAF Finance Group operates as a UK-wide finance broker, offering various funding options including asset and invoice finance. Suitable for businesses needing sizable loans with some flexibility, this provider supports financing across different industries with diverse security and repayment choices.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 25%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: Manufacturing, Transportation

Pros

  • Large loan amounts
  • Diverse finance options

Cons

  • Lengthy application process

Sources: Source

7. Norton Finance

Norton Finance is a UK finance provider offering secured and unsecured loans appropriate for individuals and businesses. It is suitable for borrowers needing loan products with flexible terms and customised repayment plans. This provider balances experience with accessible lending options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £50,000
  • Min APR: 6.59%
  • Max APR: 65.2%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Homeowner Loans, Business Loans
  • Industries: SMEs, Self-Employed

Pros

  • Flexible loan terms
  • Experienced provider

Cons

  • High maximum APR

Sources: Source

8. Clifton Private Finance

Clifton Private Finance provides customised finance solutions including bridging finance and business mortgages for clients in the UK and abroad. It is well suited for borrowers needing swift, flexible funding with tailored terms and a focus on larger loan amounts. Security requirements vary depending on the product.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £25,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 7 years ⌛

Services & Industries

  • Finance Types: Bridging Finance, Business Mortgages
  • Industries: Real Estate, International Finance

Pros

  • High maximum loan limits
  • Tailored solutions

Cons

  • Higher fees

Sources: Source

9. Capify

Capify specialises in fast, flexible unsecured business loans primarily for SMEs in the UK and Australia. It is suitable for businesses needing quick access to funds with relatively simple qualification criteria. This provider focuses on alternative finance with an emphasis on speed and convenience over collateral.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 6.5%
  • Max APR: 67.89%
  • Loan Duration: 3–12 months ⌛

Services & Industries

  • Finance Types: Small Business Loans, Merchant Cash Advances
  • Industries: Retail, Hospitality

Pros

  • Quick funding process
  • Flexible requirements

Cons

  • High APR on larger loans

Sources: Source

10. Time Finance

Time Finance offers commercial funding solutions including asset and invoice finance for SMEs. It fits businesses seeking flexible working capital options with transparent terms. The provider focuses on accessible finance products that support business growth and cash flow management.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: Construction, Retail

Pros

  • Supportive customer service
  • Flexible options

Cons

  • Limited information on APR

Sources: Source

How to choose

When selecting a lender for a secured business loan around 130k pounds, consider your specific use case and business needs. Evaluate loan amounts, interest rates, and how repayment terms fit your cash flow and seasonality. Review eligibility criteria carefully, noting any collateral or security requirements. Balance speed against flexibility and transparency to avoid surprises. Ensure you understand fees and early repayment conditions before committing. Use this framework to narrow options and choose the lender best aligned to your franchise requirements.

Conclusion

Choosing the right lender depends on whether you need a bank’s security, a broker’s range, or a specialist’s tailored funding. Banks often provide regulated, stable options suitable for established businesses. Brokers and specialists can offer more flexible or niche solutions but may vary in terms. Funding Agent is a useful platform for comparing multiple lenders efficiently. Align your choice with your business model, loan amount around 130 thousand pounds, and repayment capacity for best results.

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 £130k secured business loan?
Which lenders offer the best rates for secured business loans in the UK?
What are the benefits of choosing a secured business loan?
Are there risks involved with secured business loans?
How long does it take to get approved for a 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
2HSBCHSBC is a leading global bank providing a wide range of banking services.£1,000–£25,000; 5.7%–18.9% APR; 1–10 years
3Portman Finance GroupPortman Finance Group is a specialist business finance broker and lender, providing funding solutions for SMEs, including asset finance, unsecured, and secured business loans.£10,000–£2,000,000; 6.9%–30% APR; 3–72 months
4Swoop FundingSwoop Funding is a platform that connects businesses with tailored funding options including loans, equity finance, and grants, helping businesses across various sectors grow efficiently.£25,000–£1,000,000; 4%–20% APR; 3–60 months
5BarclaysBarclays is a major UK bank offering a wide array of business banking services, including secure loans for SMEs with fixed or variable rate options.£1,000–£25,000; 11.2%–34.5% APR; 1–10 years
6MAF Finance GroupMAF Finance Group is a nationwide finance broker, offering a range of funding solutions including asset and invoice finance for businesses across the UK.£10,000–£2,000,000; 5%–25% APR; 3–72 months
7Norton FinanceNorton Finance is a well-established UK finance provider, offering a wide range of secured and unsecured loans tailored for individuals and businesses alike.£5,000–£50,000; 6.59%–65.2% APR; 3–72 months
8Clifton Private FinanceClifton Private Finance offers tailored finance solutions including bridging and business loans for UK and international clients seeking swift and flexible funding options.£20,000–£25,000,000; 0%–0% APR; Up to 7 years
9CapifyCapify is an alternative business finance provider specializing in quick, flexible, and unsecured business loans for SMEs across the UK and Australia.£5,000–£1,000,000; 6.5%–67.89% APR; 3–12 months
10Time FinanceTime Finance provides a variety of commercial funding solutions for SMEs, helping businesses of all sizes to access necessary working capital efficiently.£50,000–£500,000; 0%–0% APR; Up to 5 years
Apply now