January 23, 2026
Square image with a black border and white background
Best Lenders to secure a 150k Secured Business Loan

Best Lenders to secure a 150k Secured Business Loan

Discover the best lenders offering secured business loans of £150,000. Compare rates, terms, and eligibility to find the ideal loan for your UK business needs.

Best Lenders to secure a 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.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare diverse business finance options through a streamlined application process. It suits franchise buyers and small businesses seeking transparent choices with flexible repayment options. The service offers fast eligibility matching without requiring collateral, making it practical for businesses valuing speed and simplicity.

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. Fleximize

Fleximize provides flexible business funding with options suitable for franchise buyers and SMEs requiring secured or unsecured loans. Its service emphasises personal relationships and accessible lending terms. Fleximize offers notable flexibility in repayments and competitive rates, tailored to various business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0.9%
  • Max APR: 3.9%
  • Loan Duration: 1–36 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: SMEs, Start-ups

Pros

  • Relationship managers for personalized service
  • No early repayment fees

Cons

  • Higher rates for first-time borrowers

Sources: Source

3. Clifton Private Finance

Clifton Private Finance targets complex and large secured loan deals for businesses, including property-related finance. It is suitable for franchise buyers and companies needing higher loan amounts with tailored terms. Flexibility and detailed underwriting are key factors, with loans often secured against property or assets.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £25,000,000
  • Min APR: 6%
  • Max APR: 12%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Property Finance
  • Industries: Real Estate, Professional Services

Pros

  • High loan amounts available
  • Flexibility in terms

Cons

  • Extensive paperwork

Sources: Source

4. Barclays

Barclays offers bank business loans including secured and unsecured options suitable for SMEs and franchise owners. Their offerings provide a wide range of loan products with established underwriting criteria. Loans typically require credit checks and may involve collateral, with varied repayment terms and competitive rates.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 3.5%
  • Max APR: 10%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Agriculture, Healthcare, Technology

Pros

  • Comprehensive range of financial products
  • Established and trusted institution

Cons

  • May require strong credit history

Sources: Source

5. Millbrook Business Finance

Millbrook Business Finance provides bespoke financing solutions aimed at small and medium enterprises including franchise operations. Their offerings allow customization of secured loan products with options for leasing. This lender focuses on flexibility in terms and service tailored to the borrower's business sector.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Leasing
  • Industries: Manufacturing, Retail

Pros

  • Customizable finance solutions
  • Flexible terms

Cons

  • Higher APR for lower credit scores

Sources: Source

6. Bizcap

Bizcap delivers fast, flexible lending with minimal documentation tailored to businesses with diverse credit profiles. It suits franchise buyers and small businesses seeking short term funding with secured or unsecured options. The provider's process emphasises speed and straightforward credit assessment.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £1,000,000
  • Min APR: 8%
  • Max APR: 25%
  • Loan Duration: 3–12 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Small Business, Start-ups

Pros

  • Quick funding process
  • No upfront credit checks needed

Cons

  • Typically higher interest rates

Sources: Source

7. Sedulo Funding

Sedulo Funding offers diverse financing products aimed at UK SMEs focusing on innovation and business growth. It is suitable for franchise buyers requiring secured finance with emphasis on flexible growth-oriented solutions. The lender provides options that may involve collateral and tailored repayment structures.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7%
  • Max APR: 18%
  • Loan Duration: 6–36 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Invoice Financing
  • Industries: Technology, Professional Services

Pros

  • Strong focus on SME growth
  • Innovative finance options

Cons

  • Can be complex to qualify

Sources: Source

8. Capalona

Capalona specialises in business finance comparison, helping SMEs and franchise buyers access a wide range of secured and unsecured loans. It offers brokered access to multiple lenders providing a neutral platform for choosing suitable loans. The service is designed for those seeking convenient, informed loan selection without impacting credit scores.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various, Retail

Pros

  • Wide range of lenders
  • No impact on credit score during comparison

Cons

  • required documentation varies by lender

Sources: Source

9. Close Brothers Business Finance

Close Brothers Business Finance is a specialist in asset and commercial finance for SMEs, focusing on secured lending for tangible assets. It suits franchise buyers and businesses needing asset-backed loans with structured repayment terms. The lender offers tailored solutions with expertise in lease financing and asset valuation.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 18%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Lease Financing
  • Industries: Construction, Logistics

Pros

  • Expertise in asset finance
  • Comprehensive financial packages

Cons

  • Potentially high initial fees

Sources: Source

10. Money.co.uk

Money.co.uk is a financial comparison website facilitating access to secured and unsecured loans from various lenders. It targets franchise buyers and SMEs looking for competitive rates and flexible terms. The platform accommodates a range of loan amounts with tools to compare and select appropriate finance options.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 5.9%
  • Max APR: 20%
  • Loan Duration: 1–60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: General

Pros

  • Comprehensive comparison tools
  • Various lender options

Cons

  • Rates can vary significantly

Sources: Source

How to choose

When selecting the best lender to secure a 150k secured business loan, consider your loan amount, interest rates, and repayment flexibility. Check eligibility criteria carefully to find providers suited to your business type and credit profile. Balance the speed of funding against the level of flexibility needed in repayment terms. Review whether the lender requires collateral and their stance on loan-to-value ratios. Also, account for any fees or early repayment conditions before committing. Using these factors ensures alignment with your cash flow and franchise business needs.

Conclusion

Choosing the right lender depends on your borrowing needs. Banks typically suit franchisees with established credit seeking structured loan products. Brokers like Funding Agent offer quick access to multiple options without collateral requirements. Specialists focus on asset-backed lending or large loan amounts with tailored terms. Matching lender type to your business use case ensures appropriate pricing and loan structure. Always verify current terms directly with your chosen provider when securing a 150 thousand pounds loan.

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 £150k secured business loan?
What are the typical interest rates for secured business loans?
How long does it take to get approved for a secured business loan?
Can I use a secured business loan for any business purpose?
What happens if I can't repay my 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
2FleximizeFleximize provides flexible business funding options including the Flexiloan and Flexiloan Lite, with a focus on personal service.£10,000–£500,000; 0.9%–3.9% APR; 1–36 months
3Clifton Private FinanceClifton Private Finance specializes in complex and large financial transactions for businesses, offering secured loan options.£20,000–£25,000,000; 6%–12% APR; 6–120 months
4BarclaysBarclays Bank provides a wide range of financial services including secured and unsecured business loans for UK SMEs.£1,000–£1,000,000; 3.5%–10% APR; 6–120 months
5Millbrook Business FinanceMillbrook Business Finance offers bespoke financing solutions tailored to the needs of small and medium enterprises.£5,000–£500,000; 5%–20% APR; 12–60 months
6BizcapBizcap offers fast and flexible business loan options with minimal documentation requirements, catering to businesses with varied credit profiles.£30,000–£1,000,000; 8%–25% APR; 3–12 months
7Sedulo FundingSedulo Funding offers a variety of financing solutions specifically designed for UK SMEs, with a focus on innovation and growth.£10,000–£500,000; 7%–18% APR; 6–36 months
8CapalonaCapalona specializes in comparing business finance, allowing businesses to access and secure the best possible loan options across the UK market.£5,000–£2,000,000; 6%–15% APR; 3–60 months
9Close Brothers Business FinanceClose Brothers Business Finance is a renowned provider of asset finance and commercial finance solutions for SMEs across the UK.£10,000–£1,000,000; 6%–18% APR; 12–72 months
10Money.co.ukMoney.co.uk is a financial comparison website helping businesses find competitive business loan rates from a variety of lenders.£500–£15,000,000; 5.9%–20% APR; 1–60 months
Apply now