January 23, 2026
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Best Lenders to secure a 140k Secured Business Loan

Best Lenders to secure a 140k Secured Business Loan

Discover the best lenders to secure a £140,000 secured business loan. Compare rates, terms, and eligibility to find the ideal financing 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 140k 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 fast comparison of unsecured business finance options in the UK. It is typically suitable for SMEs seeking a simple application process and quick eligibility feedback. The platform supports unsecured loans and working capital products, with no collateral required and options across various repayment terms.

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 provides secured business loans focused on competitive rates for diverse financial needs. It suits businesses requiring asset-backed finance with flexible lending terms. Borrowers can expect options with collateral requirements and varied repayment plans including longer durations.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 6 months to 7 years ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Various

Pros

  • High maximum loan amounts
  • Professional financial advice

Cons

  • Collateral required

Sources: Source

3. Barclays

Barclays offers bank business loans with fixed and variable interest rates, covering a broad range of needs. Suitable for franchises and enterprises seeking traditional lending with flexible term options. Loan products include both secured and unsecured types, with no early repayment fees on some terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 12 months to 20 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • No early repayment fees
  • Flexible terms

Cons

  • Higher rates for smaller loans

Sources: Source

4. Portman Finance Group

Portman Finance Group specialises in flexible secured business loans for UK SMEs, providing relatively quick approvals. Suitable for businesses needing mid to high-range lending often secured on assets. Options include variable APRs and different term lengths to fit diverse needs.

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
  • Industries: Various

Pros

  • Fast approval process
  • No PG options available

Cons

  • Variable APR

Sources: Source

5. Fleximize

Fleximize offers tailored secured and unsecured loans targeted at SMEs requiring adaptable repayment schedules. This provider suits businesses seeking flexible terms and competitive rates with a focus on customer loyalty. Applications generally provide varied APR ranges to accommodate different risk profiles.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 11.4%
  • Max APR: 47.9%
  • Loan Duration: 1 month to 48 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Loyalty pledge for returning customers
  • No penalties for early repayment

Cons

  • High APR for some borrowers

Sources: Source

6. HSBC

HSBC delivers a broad range of secured and unsecured business loans with flexible repayment options. It is well-suited for franchises and established SMEs seeking reputable banking products and a global network. Loan terms often include variable APRs depending on borrower profile and security.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 5.7%
  • Max APR: 0%
  • Loan Duration: Up to 7 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Flexible repayment terms
  • Global banking network

Cons

  • Higher APR for riskier profiles

Sources: Source

7. MoneySuperMarket

MoneySuperMarket operates as a broker comparison service, enabling businesses to review offers from multiple lenders. It suits borrowers seeking competitive rates across a wide range of loan amounts and terms. Speed and variety are key, though offered APRs can vary greatly depending on underlying providers.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £15,000,000
  • Min APR: 6.9%
  • Max APR: 29.9%
  • Loan Duration: 3 months to 84 months ⌛

Services & Industries

  • Finance Types: Comparison service
  • Industries: Various

Pros

  • Compares multiple lenders
  • Broad range of loan amounts

Cons

  • Rates vary widely by provider

Sources: Source

8. BCRS Business Loans

BCRS Business Loans offers secured business finance aimed at SMEs that may face challenges with traditional lenders. Its products are suited for borrowers seeking dedicated support and straightforward loan terms. Collateral is generally required, and options cover medium-term repayment periods.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Various

Pros

  • No early repayment charges
  • Dedicated support

Cons

  • Requires business plan

Sources: Source

9. Think Business Loans

Think Business Loans acts as a platform connecting borrowers to a broad array of lenders. It suits businesses that want to explore secured and unsecured loan options. The service provides market insights and facilitates navigation of loan products with various fees and terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1 month to 15 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Wide range of loan products
  • Market comparison

Cons

  • Broker fees may apply

Sources: Source Source

10. GoCompare

GoCompare provides a comparison service that enables businesses to access a wide selection of loan products. It fits borrowers looking for quick access to multiple lenders through a single platform. Loan terms and APRs vary depending on lender offerings and borrower criteria.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Comparison service
  • Industries: Various

Pros

  • Compares many lenders
  • Quick application process

Cons

  • APR depends on lender

Sources: Source

How to choose

When selecting the best lender to secure a 140k secured business loan, consider your specific funding needs and repayment capacity. Assess loan size and APRs in relation to your budget and business cash flow. Verify eligibility criteria and understand whether collateral is required. Factor in the loan term and flexibility of repayment options. Compare application speed against the depth of lender support and advice available to your franchise. Finally, review fees and early repayment terms carefully before making a decision.

Conclusion

Choosing the right lender depends on your business goals and loan requirements. Bank loans offer stability and established processes but may require collateral. Brokers and comparison services provide access to multiple options and faster decisions but watch for potential fees. Specialist lenders cater to niche needs like asset-backed loans or shorter terms. Funding Agent is a useful option for quick comparison among unsecured business finance products. For a 140 thousand pounds loan, ensuring alignment of terms with your capacity and security is key to a successful borrowing experience.

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FAQs

What is a secured business loan?
How can I secure a £140,000 business loan?
Which lenders offer the best terms for secured business loans in the UK?
What are the benefits of a secured business loan over an unsecured loan?
How long does it typically take to get approval for a secured business loan?
What happens if my business cannot repay a secured 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
2Clifton Private FinanceClifton Private Finance offers secured business loans with market-leading rates, suitable for various business requirements.£20,000–£25,000,000; 7%–20% APR; 6 months to 7 years
3BarclaysBarclays provides a range of business loans with both fixed and variable interest rates, aiming to support small to large enterprises.£1,000–£50,000; 11.2%–14.9% APR; 12 months to 20 years
4Portman Finance GroupPortman Finance Group specializes in providing flexible business loans with quick finance up to £2 million for UK SMEs.£10,000–£2,000,000; 6.9%–30% APR; 3 months to 6 years
5FleximizeFleximize offers tailored business loans for SMEs, featuring competitive rates and flexible repayment options.£5,000–£500,000; 11.4%–47.9% APR; 1 month to 48 months
6HSBCHSBC provides a range of flexible business loans, offering both fixed and variable interest rates for various business financing needs.£10,000–£5,000,000; 5.7%–0% APR; Up to 7 years
7MoneySuperMarketMoneySuperMarket allows businesses to compare various loan options, helping them find optimal financial solutions with competitive rates.£1,000–£15,000,000; 6.9%–29.9% APR; 3 months to 84 months
8BCRS Business LoansBCRS Business Loans offers funding solutions to SMEs that struggle to secure finance from traditional lenders.£10,000–£250,000; 6%–15% APR; 12 to 60 months
9Think Business LoansThink Business Loans connects businesses with leading lenders, offering insights to secure the best possible financing.£1,000–£5,000,000; 6%–15% APR; 1 month to 15 years
10GoCompareGoCompare enables businesses to access and compare a wide range of loan products to find solutions that fit their financial needs.£5,000–£2,000,000; 0%–0% APR; Unknown
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