January 23, 2026
Lists
Square image with a black border and white background
Best Lenders to Secure a 180k Secured Business Loan

Best Lenders to Secure a 180k Secured Business Loan

Discover the best lenders offering £180,000 secured business loans. Compare rates, terms, and find the ideal financing option to grow your business confidently.
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 180k 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 variety of business finance options through an efficient application journey. It is suitable for businesses looking for straightforward finance choices without collateral requirements. Their service emphasises speed, simplicity, and clear eligibility matching for fast decision-making.

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 provides a variety of secured and unsecured business loans with flexible terms designed for SMEs, including those needing commercial mortgages. It is suitable for franchise buyers or businesses seeking predictable repayments with competitive rates. HSBC’s offerings are backed by established banking services with an emphasis on personalized customer support.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 3%
  • Max APR: 7.5%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans, Commercial Mortgages
  • Industries: Manufacturing, Real Estate, Retail

Pros

  • Wide range of loan amounts
  • Personalized customer service

Cons

  • Strict eligibility criteria

Sources: Source

3. Portman Finance Group

Portman Finance Group delivers tailored secured and unsecured loans targeted at SMEs across diverse sectors. It works well for businesses needing flexible financing solutions, including equipment funding, with options for varying loan-to-value and repayment structures. The provider typically offers brokered access to competitive loan options.

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, Unsecured Loans, Equipment Financing
  • Industries: Construction, Professional Services, Healthcare

Pros

  • No personal guarantee options
  • Fast approval process

Cons

  • May have higher rates for unsecured loans

Sources: Source

4. Swoop Funding

Swoop Funding specialises in providing a blend of secured loans, equity finance, and grant options for SMEs across the UK. It is suitable for franchise operators seeking varied funding types including growth capital with some funded through asset security. Their platform offers flexible terms supported by tailored funding matches.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £600,000
  • Min APR: 6.5%
  • Max APR: 29.9%
  • Loan Duration: 3-72 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Equity Financing, Grants
  • Industries: Technology, Retail, Manufacturing

Pros

  • Wide range of financial products
  • Tech-enabled platform

Cons

  • Can be complex to navigate
  • Rates vary widely

Sources: Source

5. Barclays

Barclays is a well-established bank offering secured and unsecured business loans tailored for SMEs and franchise buyers. It suits those requiring flexible terms supported by traditional commercial mortgages or overdraft services. Barclays integrates industry knowledge with a focus on adaptable repayment options.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 3.5%
  • Max APR: 10%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Business Overdrafts, Commercial Mortgages
  • Industries: Agriculture, Healthcare, Manufacturing

Pros

  • Strong industry expertise
  • Flexible terms

Cons

  • Higher eligibility criteria

Sources: Source

6. MAF Finance Group

MAF Finance Group offers various financial products including business loans, asset finance, and invoice discounting geared towards UK SMEs. Their products are suited for businesses that require flexible funding tied to assets or working capital. MAF provides a wide national reach with specialist expertise in diverse finance types.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 22%
  • Loan Duration: 3-72 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance, Invoice Discounting
  • Industries: Manufacturing, Logistics, Retail

Pros

  • Nationwide service
  • Specialist finance team

Cons

  • Complex application process

Sources: Source

7. Norton Finance

Norton Finance is an independent broker focused on secured business loans for UK companies with access to loans across multiple sectors. It caters to borrowers needing flexible loan terms and diverse financing with a brokerage approach. Norton Finance handles a variety of security levels and APR ranges.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 6.59%
  • Max APR: 65.2%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Secured Loans, Commercial Mortgages
  • Industries: Real Estate, Retail, Agriculture

Pros

  • Experienced in niche markets
  • Long track record

Cons

  • High maximum APR

Sources: Source

8. Clifton Private Finance

Clifton Private Finance specialises in bridging loans, secured loans, and asset finance for businesses aiming for rapid growth and property-backed funding. It is ideal for clients requiring bespoke and high-value loans, often secured against real estate or business assets. Their services focus on flexibility and tailored lending criteria.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: Up to 60 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans, Asset Finance
  • Industries: Real Estate, Manufacturing, High-net-worth individuals

Pros

  • High-value loans
  • Flexible finance options

Cons

  • High minimum loan amount

Sources: Source

9. Approved Business Finance

Approved Business Finance provides business loans and asset finance products for UK SMEs, focusing on practical funding solutions across construction, manufacturing, and retail sectors. It is suitable for borrowers seeking competitive rates and a range of loan types with moderate flexibility in terms and repayment. Their products often fit businesses requiring both secured and unsecured finance.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 5%
  • Max APR: 18%
  • Loan Duration: 6-72 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans, Asset Finance
  • Industries: Construction, Manufacturing, Retail

Pros

  • Wide range of loan types
  • High customer satisfaction

Cons

  • Variable processing times

Sources: Source

10. GoCompare

GoCompare offers a comparison platform for secured business loans and other financial products tailored to the UK market. It is best suited for franchise buyers and SMEs wanting to explore multiple lenders in one place. GoCompare focuses on providing ease of access to information rather than direct lending.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £200,000
  • Min APR: 6.9%
  • Max APR: 24%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Comparison Service
  • Industries: Insurance, Financial Products

Pros

  • Wide comparison range
  • Easy to use platform

Cons

  • Does not provide direct loans

Sources: Source

How to choose

When selecting the best lender for a 180k secured business loan, consider the type of loan and security that fits your business needs and collateral availability. Compare APRs and repayment terms carefully to match your budget and cash flow cycles. Assess lenders’ eligibility criteria and service speed, especially if timely funding is critical. Also, balance the benefit of broker access versus direct banking relationships. Look for transparent fees and flexible repayment options to avoid surprises. Finally, review how well the lender’s specialisms align with your franchise sector or property requirements.

Conclusion

Choosing the right lender depends on your specific financing need. Bank lenders typically offer stable terms for property-backed or traditional business loans. Brokers provide access to a wider market and flexibility in specialised or alternative lending. Specialist lenders focus on niche markets or high-value loans. Funding Agent is a good option for SMEs seeking quick comparisons across multiple sources. For a 200 thousand pounds loan, it's important to evaluate your collateral, repayment capacity, and time frame to match the best provider type.

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 £180k secured business loan?
What are typical interest rates for secured business loans in the UK?
Which lenders offer the best terms for £180k secured loans?
How long does it take to get approved for a secured business loan?
What risks are involved with secured business loans?

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 offers a range of business finance options including secured loans with flexible repayment terms and competitive APR rates.£1,000–£25,000; 3%–7.5% APR; 1-10 years
3Portman Finance GroupPortman Finance Group provides bespoke financing solutions and is a leading business lender in the UK focusing on SMEs across various industries.£10,000–£2,000,000; 6.9%–30% APR; 3 months to 6 years
4Swoop FundingSwoop Funding matches businesses with tailored funding solutions, offering loans, equity finance, and grants to SMEs across the UK.£10,000–£600,000; 6.5%–29.9% APR; 3-72 months
5BarclaysBarclays provides comprehensive business banking services including secured and unsecured loans tailored to small and midsize enterprises.£1,000–£25,000; 3.5%–10% APR; 1-10 years
6MAF Finance GroupMAF Finance Group offers a wide range of financial products including business loans, asset finance, and invoice discounting for SMEs in the UK.£10,000–£2,000,000; 5%–22% APR; 3-72 months
7Norton FinanceAs a leading independent broker, Norton Finance provides secured business loans with competitive rates to UK companies across multiple sectors.£5,000–£1,000,000; 6.59%–65.2% APR; Flexible
8Clifton Private FinanceClifton Private Finance specializes in bespoke funding solutions for UK businesses, offering bridging loans and asset finance for rapid growth.£50,000–£25,000,000; 7%–20% APR; Up to 60 months
9Approved Business FinanceApproved Business Finance Ltd provides business loan solutions with competitive rates focused on empowering UK SMEs across various sectors.£10,000–£750,000; 5%–18% APR; 6-72 months
10GoCompareGoCompare offers a comprehensive comparison service for financial products, including secured business loans tailored to UK markets.£1,000–£200,000; 6.9%–24% APR; Varies
Apply now