Funding Agent Share Best Lenders to secure a 160k Secured Business Loan best-lenders-to-secure-a-160k-secured-business-loan www.fundingagent.co.uk/post/ best-lenders-to-secure-a-160k-secured-business-loan Top Lenders for a £160k Secured Business Loan in the UK 01/23/2026 Best Lenders to secure a 160k 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 various business finance options through a simple, brokered application process. It typically suits SMEs seeking fast access to unsecured finance without the need for collateral. The lender offers flexibility in product types and works to match eligibility efficiently. 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 delivers secured and asset finance primarily for property, business, and manufacturing sectors. It is suited for borrowers requiring larger loans with tailored advisory support. The provider offers specialist access to flexible financing secured against business or property assets. Loan Details Min Amount: £20,000 Max Amount: £25,000,000 Min APR: 7% Max APR: 20% Loan Duration: Unknown ⌛ Services & Industries Finance Types: Secured Loans, Asset Finance Industries: Property, Business, Manufacturing Pros High loan limits Diverse finance options Cons Higher starting loan amount Sources: Source 3. Portman Finance Group Portman Finance Group offers broad business and asset financing targeted at various UK SME sectors. It fits borrowers seeking both flexible credit and asset-backed options with potential for quick decisions. Repayment choices and collateral requirements vary by product, matching diverse business 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: Business Loans, Asset Finance Industries: General Business Services Pros Fast approval No personal guarantee options Cons Higher maximum APR Sources: Source 4. Fleximize Fleximize provides both secured and unsecured business loans with flexible terms for UK SMEs, focusing on adaptable repayment options. It suits companies looking for speed and loan customisation without extensive security requirements. Products are designed to allow straightforward application with varied loan purposes. Loan Details Min Amount: £10,000 Max Amount: £1,500,000 Min APR: 0% Max APR: 0% Loan Duration: Unknown ⌛ Services & Industries Finance Types: Business Loans, Flexible Loans Industries: Retail, Services Pros Flexible terms Quick approvals Cons Monthly rate applications necessary Sources: Source 5. Funding Options Funding Options serves as a marketplace connecting businesses to a variety of finance providers across industries. It is suited for borrowers wanting quick access to commercial mortgages and business loans with flexible terms. Speed and broad choice are central features, with multiple funders accessible through one application. Loan Details Min Amount: £0 Max Amount: £1,000,000 Min APR: 6% Max APR: 15% Loan Duration: Variable ⌛ Services & Industries Finance Types: Business Loans, Commercial Mortgages Industries: Micro and Small Businesses Pros Wide range of options Quick service Cons Unclear minimum loan value Sources: Source 6. Bizcap Bizcap focuses on fast and flexible lending for under-served UK sectors, offering unsecured loans with minimal paperwork. It is suited for businesses needing swift finance with straightforward application and limited collateral demands. The product range includes options adaptable to different credit profiles and business types. Loan Details Min Amount: £5,000 Max Amount: £750,000 Min APR: 0% Max APR: 0% Loan Duration: Unknown ⌛ Services & Industries Finance Types: Business Loans, Lines of Credit Industries: Wholesale, Retail Pros Fast approval Minimal credit checks Cons Potentially high rates for bad credit Sources: Source 7. Barclays Barclays is a major UK bank offering structured and secured business loans. It suits established businesses seeking competitive rates and long-term financing options secured against assets. Eligibility criteria and repayment flexibility reflect traditional banking standards. Loan Details Min Amount: £1,000 Max Amount: £25,000,000 Min APR: 5% Max APR: 20% Loan Duration: 6 months to 20 years ⌛ Services & Industries Finance Types: Secured Loans, Credit Facilities Industries: Various Pros Established reputation Diverse product range Cons Strict eligibility criteria Sources: Source 8. HSBC HSBC offers a range of flexible business loans designed to meet diverse UK business needs, including varying repayment schedules. It suits firms looking for a global bank with adaptable credit solutions secured or unsecured. Transparency on some loan details is limited but repayment flexibility is a key feature. Loan Details Min Amount: £0 Max Amount: £10,000,000 Min APR: 0% Max APR: 0% Loan Duration: 12 months to 20 years ⌛ Services & Industries Finance Types: Business Loans, Mortgages Industries: Various Pros Global banking network Flexible repayment Cons Limited transparency on initial interest rates Sources: Source 9. Swoop Funding Swoop Funding uses automated technology to match UK businesses with suitable funding partners. It is suitable for SMEs seeking a brokered approach to business and equity finance with swift access. The platform offers broad options but specifics on loan amounts and terms vary by partner. Loan Details Min Amount: £0 Max Amount: £0 Min APR: 0% Max APR: 0% Loan Duration: Variable ⌛ Services & Industries Finance Types: Business Loans, Equity Finance Industries: SME businesses Pros Automated matching Wide network of partners Cons Variable transparency on options Sources: Source 10. Nationwide Corporate Finance Nationwide Corporate Finance provides tailored finance solutions focusing on competitive rates and flexible repayment for corporate and commercial clients. It is suitable for UK businesses seeking secured loans with structured terms. The lender offers bespoke support for varying loan and asset financing needs. Loan Details Min Amount: £5,000 Max Amount: £5,000,000 Min APR: 0% Max APR: 0% Loan Duration: 12 months to 60 months ⌛ Services & Industries Finance Types: Business Loans, Asset Finance Industries: Corporate, Commercial Pros Competitive rates Flexible repayment Cons Limited online application details Sources: Source How to choose When seeking the best lenders for a 160k secured business loan, assess how loan size fits your financial needs and confirm eligibility with each provider. Balance APR against repayment flexibility and loan duration to suit your business cash flow. Consider whether you prefer bank loans with stricter criteria, specialist lenders with more tailored options, or brokers offering access to multiple providers. Also, examine requirements for security or collateral and how quickly funds can be accessed. Lastly, review all fees and early repayment conditions before committing. Conclusion Choosing the right lender depends on your specific financing needs. Bank providers typically offer structured loans with strict eligibility but competitive rates for established businesses. Brokers and specialist lenders provide faster access and tailored terms but may have varied pricing and collateral requirements. Funding Agent remains a useful option for SMEs needing quick comparison across multiple lenders. Always verify current offers and conditions before proceeding with a 160 thousand pounds loan. A summary of the blog post that appears on blog post grid Discover the best lenders offering secured business loans of £160,000. Compare rates, terms, and find the ideal business loan to grow your company with ease. Smaller version of main image that is used on blog post grid What is a secured business loan? A secured business loan is a loan backed by an asset, such as property or equipment, which acts as collateral in case the borrower defaults. How can I qualify for a £160k secured business loan? To qualify, you typically need a strong credit history, sufficient business income, and valuable assets for collateral. Each lender has specific requirements. What are the benefits of a secured business loan? Secured loans often offer lower interest rates, higher loan amounts, and longer repayment terms compared to unsecured loans. Which are the best lenders for secured business loans in the UK? Top lenders include banks like Barclays, Lloyds, HSBC, as well as specialist business loan providers such as Funding Circle and iwoca. How long does it take to get approved for a secured business loan? Approval times vary, but it generally takes from a few days to a few weeks depending on lender processes and the complexity of your application. What risks should I consider with secured business loans? Since the loan is secured against assets, failure to repay could result in the loss of collateral, which might impact your business operations.

1	Funding Agent	Funding 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
2	Clifton Private Finance	Clifton Private Finance specializes in providing streamlined business finance, catering to diverse UK industries with expert advice.	£20,000–£25,000,000; 7%–20% APR; Unknown
3	Portman Finance Group	Portman Finance Group provides comprehensive business and asset finance solutions for UK SMEs in various sectors.	£10,000–£2,000,000; 6.9%–30% APR; 3 months to 6 years
4	Fleximize	Fleximize provides award-winning business loans with flexible options tailored to UK businesses, allowing for both secured and unsecured loans.	£10,000–£1,500,000; 0%–0% APR; Unknown
5	Funding Options	Funding Options is a marketplace for business finance solutions, helping businesses find suitable funding quickly across various industries.	£0–£1,000,000; 6%–15% APR; Variable
6	Bizcap	Bizcap offers rapid and flexible business loans up to £750,000, catering to under-serviced sectors with minimal paperwork.	£5,000–£750,000; 0%–0% APR; Unknown
7	Barclays	Barclays offers structured business loans with competitive rates, supporting a wide range of business activities and industries across the UK.	£1,000–£25,000,000; 5%–20% APR; 6 months to 20 years
8	HSBC	HSBC provides comprehensive financial solutions with flexible loans tailored to the needs of UK businesses, available with varying repayment schedules.	£0–£10,000,000; 0%–0% APR; 12 months to 20 years
9	Swoop Funding	Swoop Funding provides smart, automated funding solutions for UK businesses, matching businesses with ideal funding partners swiftly.	£0–£0; 0%–0% APR; Variable
10	Nationwide Corporate Finance	Nationwide Corporate Finance offers customized finance solutions for UK businesses, focusing on competitive rates and flexible repayment terms.	£5,000–£5,000,000; 0%–0% APR; 12 months to 60 months