Best Lenders to Secure a 200k to 250k 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.
Funding Agent specialises in fast finance comparison for UK SMEs, focusing on unsecured business loans and working capital. It is suitable for franchise buyers and small businesses seeking flexible terms without collateral. The platform offers quick eligibility checks and a straightforward application process to support borrower needs.
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
Century Business Finance provides secured and unsecured loans designed for SMEs aiming for straightforward funding. It primarily suits franchise buyers and business owners needing swift approval and clear terms. The provider offers competitive rates with simple qualification criteria and a focus on efficient processing.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: General SMEs
Pros
- Same-day approval
- Simple process
Cons
- Limited transparency on APR rates
SWIG Finance focuses on supporting SMEs in the South and West Country through business loans tailored for regional growth. It suits franchise buyers and small businesses requiring secured or unsecured funding with structured repayment options. This provider emphasises regional expertise and social enterprise support within specific sectors.
Loan Details
- Min Amount: £25,001
- Max Amount: £250,000
- Min APR: 12%
- Max APR: 12%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Food and drink, Manufacturing
Pros
- Support for small businesses
- Social enterprise benefits
Cons
- Constrained to specific geographic regions
Fleximize offers flexible secured and unsecured business loans targeted at UK SMEs needing adaptable financing solutions. It is suitable for franchise buyers prioritising personalised loan terms and diverse repayment options. Their approach balances speed and tailored service with accessibility across various industries.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 10.8%
- Max APR: 13.8%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Retail, Services
Pros
- Flexible terms
- Low minimal amount
Cons
- Higher APR for new customers
Funding Circle is a lending platform connecting investors with UK SMEs, primarily offering unsecured loans. It suits franchise buyers looking for clear eligibility criteria and predictable repayment plans. The service emphasises fast approval while requiring a solid financial history.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 14.9%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Unsecured loans
- Industries: General SMEs
Pros
- Wide borrowing range
- Fast approval
Cons
- Requires financial history
Barclays is a traditional bank offering secured and unsecured business loans for UK enterprises. It is suited to franchise buyers needing established lender credibility and stable funding. The bank provides flexible repayment options with a range of loan sizes and terms across various sectors.
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1–10 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Professional services, Real estate, Retail
Pros
- Large traditional bank
- Stable funding
Cons
- Higher APR for lower amounts
NatWest offers secured and unsecured loans with a focus on supporting UK SMEs across multiple industries. Suitable for franchise buyers, NatWest combines competitive rates with a range of loan durations. It prioritises accessible finance with quick disbursement and dedicated customer service.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 12%
- Max APR: 15%
- Loan Duration: 1–7 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Legal, Consultancy, Real estate
Pros
- Quick loan disbursement
- Robust customer support
Cons
- Lower maximum borrowing limit
Lloyds Bank delivers a variety of secured and unsecured financial products focused on UK SMEs. It is appropriate for franchise buyers seeking stable and long-term loan options. Lloyds provides access to large service networks and multiple industry specialisms with flexible repayment plans.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1–25 years ⌛
Services & Industries
- Finance Types: Secured, Unsecured
- Industries: Healthcare, Real estate, Retail
Pros
- Large service network
- Comprehensive loan products
Cons
- Interest rates can be high
Aurora Capital delivers tailored secured loans to UK businesses including franchise buyers requiring flexibility and higher lending amounts. Their offerings typically include flexible terms and support for growth initiatives across multiple industries. The lender focuses on personalised solutions with variable fees and collateral considerations.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 8.9%
- Max APR: 0%
- Loan Duration: 1 month–15 years ⌛
Services & Industries
- Finance Types: Secured loans
- Industries: Multiple industries
Pros
- High loan amounts
- Flexible terms
Cons
- Higher initial registration fee
MAF Finance Group provides a broad spectrum of secured and unsecured lending options for UK SMEs, including franchise buyers. Their loans accommodate varied business needs with a focus on customization and large lending thresholds. The provider emphasises service breadth and flexible repayment arrangements while offering access to multiple sectors.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months–72 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Manufacturing, Healthcare
Pros
- Large lending amounts
- Customizable solutions
Cons
- APR not transparent upfront
How to choose
When selecting the best lender for a 200k to 250k secured business loan, consider how loan amount and APR fit your financial plan. Evaluate eligibility criteria carefully to ensure you qualify. Balance the need for speed of approval with the importance of flexible loan terms. Take account of collateral requirements and whether the loan suits your franchise business model. Factor in fees, repayment structures, and any sector specialisations lenders may offer. Research each provider's reputation and support services before applying.
Conclusion
Matching the right lender to your 200 thousand pounds loan needs depends on your business profile and financing goals. Traditional banks offer stability and long-term products but often require more documentation and stricter eligibility. Brokers and specialist lenders can provide faster access and tailored solutions but may charge higher fees or have different lending criteria. Funding Agent offers a useful starting point for comparing multiple options quickly. Always review terms carefully to align your loan with your franchise operations and growth plans.
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