January 23, 2026
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Best Lenders to Secure a 150k to 200k Secured Business Loan

Best Lenders to Secure a 150k to 200k Secured Business Loan

Discover the best UK lenders offering secured business loans from £150,000 to £200,000. Compare rates, terms, and eligibility to find the perfect loan 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 150k to 200k 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 access a range of unsecured business finance options through a brokered platform. It is suitable for franchise buyers and operators seeking working capital with clear terms and straightforward application. The service emphasises speed, eligibility matching, and ease of use without the need for collateral.

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. Norton Finance

Norton Finance provides secured loans primarily aimed at UK businesses that require larger funding amounts to manage their finances. It is suitable for franchise buyers seeking secured financing solutions with flexible terms. Norton Finance offers a degree of flexibility in loan conditions and may involve collateral or security depending on the agreement.

Loan Details

  • Min Amount: £150,000
  • Max Amount: £200,000
  • Min APR: 6.59%
  • Max APR: 65.2%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Multiple Sectors

Pros

  • Flexible loan terms
  • Competitive APR for secured loans

Cons

  • High maximum APR

Sources: Source

3. Barclays

Barclays is a major UK bank providing a broad range of banking products including business loans and overdrafts. It is suited for franchise buyers and SMEs wanting established banking services, often with detailed eligibility criteria. Barclays may require more documentation and offers multiple repayment types with emphasis on secured or unsecured lending.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business loans, Overdrafts
  • Industries: Agriculture, Healthcare, Manufacturing, Real Estate

Pros

  • Renowned banking institution
  • Diverse financial products

Cons

  • May require extensive documentation

Sources: Source

4. MoneySuperMarket

MoneySuperMarket operates as a broad comparison platform allowing businesses to evaluate loan rates from various lenders. It is suitable for franchise buyers who want to explore multiple options and save on borrowing costs. The service offers access to secured and unsecured loan comparisons focusing on range and convenience rather than direct lending.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £15,000,000
  • Min APR: 7%
  • Max APR: 24.9%
  • Loan Duration: 1–84 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: General Business

Pros

  • Comprehensive comparison service
  • Access to multiple lenders

Cons

  • May not offer ongoing customer support

Sources: Source

5. Portman Finance

Portman Finance offers SME funding with a focus on asset finance and merchant cash advances. It suits franchise buyers and operators looking for tailored loans secured against assets or requiring flexible structures. Portman Finance typically provides options with varied repayment terms and industry-specific focus.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 8.9%
  • Max APR: 29.9%
  • Loan Duration: 1–60 months ⌛

Services & Industries

  • Finance Types: Asset finance, Merchant cash advance
  • Industries: Professional Services

Pros

  • Tailored finance solutions
  • Specialist in SME funding

Cons

  • Higher interest rates possible

Sources: Source

6. Aurora Capital

Aurora Capital specialises in quick and flexible commercial loans with personalised service. It is suitable for UK SMEs and franchise buyers who need access to high-value loans with extended repayment terms. Aurora Capital offers competitive rates and loan structures tailored for a variety of business sectors.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 1–72 months ⌛

Services & Industries

  • Finance Types: Commercial loans, Unsecured loans
  • Industries: General Business

Pros

  • High maximum loan amount
  • Extended loan terms

Cons

  • Lower application approval rate

Sources: Source

7. GoCompare

GoCompare provides tools for businesses to compare a variety of secured and unsecured loan products. It is intended for franchise buyers and SMEs seeking clear insights into lending options with a focus on flexibility and multiple sector coverage. The platform offers access without direct lending, producing a range of financing alternatives.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 9.9%
  • Max APR: 49.9%
  • Loan Duration: 1–60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Multiple Sectors

Pros

  • Compares multiple options
  • User-friendly interface

Cons

  • May not include all lenders

Sources: Source

8. Merchant Savvy

Merchant Savvy offers payment processing and financial solutions focusing on cost-effective loans for UK businesses. It is useful for franchise operators seeking flexible finance with competitive APRs. Merchant Savvy supports lending with flexible repayment options tailored to retail and hospitality sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 9%
  • Max APR: 29.9%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Payment processing, Term loans
  • Industries: Retail, Hospitality

Pros

  • Specializes in financial solutions for businesses
  • Competitive APR rates

Cons

  • Limited customer service options

Sources: Source

9. Compare The Market

Compare The Market enables businesses to compare a broad array of secured and unsecured loans quickly. It is well suited to franchise buyers wanting a wide selection of options with access to various loan types. This platform prioritises ease of comparison and helping users identify suitable lending rates and terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 4.9%
  • Max APR: 35.9%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: General Business

Pros

  • Offers a wide range of comparison options
  • Ease of access

Cons

  • Limited to loans comparison

Sources: Source

10. Bizcap

Bizcap offers business loans tailored to SMEs with a focus on quick access and flexible terms. It is suitable for franchise buyers seeking unsecured financing or invoice financing solutions. Bizcap provides a streamlined application process aimed at responsiveness and flexibility in repayment.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £250,000
  • Min APR: 5.9%
  • Max APR: 39.9%
  • Loan Duration: 1–36 months ⌛

Services & Industries

  • Finance Types: Unsecured loans, Invoice financing
  • Industries: Technology, Professional Services

Pros

  • Fast loan approval process
  • Flexible lending options

Cons

  • Higher rates for new businesses

Sources: Source

How to choose

When securing a 150k to 200k secured business loan, consider lenders that match your specific business needs and financial situation. Assess the loan size, APR, and repayment terms to ensure they fit your budget, especially regarding cash flow and seasonal fluctuations common in franchising. Eligibility requirements vary, so verify your qualification criteria early. Balance application speed against flexibility and collateral requirements to select optimal funding. Compare fees, early repayment options, and consider whether direct lenders or brokers best serve your franchise goals. Always seek clear understanding of loan conditions before committing.

Conclusion

Choosing the right lender depends on your use case, whether you prefer a bank, broker, or specialist provider. Banks offer established products but may have stringent criteria. Brokers provide access to multiple options and can speed up matching. Specialists might deliver tailored finance solutions for specific sectors or asset types. Funding Agent remains a strong choice for SMEs wanting swift comparisons across diverse offers. Matching lender type to your franchise’s needs and seeking a 200 thousand pounds loan that suits your repayment ability is key.

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FAQs

What is a secured business loan?
Which lenders offer secured business loans between £150,000 and £200,000?
What are the typical interest rates for secured business loans of this size?
How long does it usually take to get approval for a secured business 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
2Norton FinanceNorton Finance provides large secured loans helping UK businesses manage finances effectively.£150,000–£200,000; 6.59%–65.2% APR; Flexible
3BarclaysBarclays offers comprehensive banking solutions, including business loans designed for a variety of industries.£5,000–£250,000; 0%–0% APR; Unknown
4MoneySuperMarketMoneySuperMarket is a leading comparison service, helping businesses compare loan rates and save on borrowing costs.£500,000–£15,000,000; 7%–24.9% APR; 1–84 months
5Portman FinancePortman Finance specializes in SME funding, offering tailored business loans and asset finance options across the UK.£10,000–£500,000; 8.9%–29.9% APR; 1–60 months
6Aurora CapitalAurora Capital provides quick, flexible business funding, offering competitive rates and personalized service.£50,000–£2,000,000; 6.9%–0% APR; 1–72 months
7GoCompareGoCompare offers comparison tools that help businesses find the best financing options available in the market.£10,000–£500,000; 9.9%–49.9% APR; 1–60 months
8Merchant SavvyMerchant Savvy is a payment processing and finance solution provider for UK businesses, helping secure cost-effective financing.£10,000–£200,000; 9%–29.9% APR; Flexible
9Compare The MarketCompare The Market helps businesses compare secured and unsecured loans quickly, ensuring they get the best possible rate.£5,000–£1,000,000; 4.9%–35.9% APR; 3–60 months
10BizcapBizcap provides business loans tailored for SMEs in the UK, specializing in quick access and flexible terms.£20,000–£250,000; 5.9%–39.9% APR; 1–36 months
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