Best Lenders to Secure a 20k to 50k 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 focuses on providing a straightforward platform for UK SMEs to compare multiple business finance options quickly. It is typically suited for businesses seeking fast eligibility checks and easy application processes without requiring collateral. The service emphasises speed and simplicity, offering access to various loan types with clear terms.
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
Barclays is a traditional bank providing a broad range of secured and unsecured business loans, with options that may suit smaller businesses in need of secured finance. It typically serves those seeking flexible loan terms backed by collateral and competitive rates. The bank offers various repayment structures and prioritises established businesses with predictable credit needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £10,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various, Retail, Services
Pros
- Large institution
- Flexible terms
Cons
- Higher APR for small amounts
Clifton Private Finance specialises in secured business lending, focusing on providing large loan amounts tailored to business turnover and asset base. It is generally suitable for businesses looking for long-term financing secured by commercial assets or property. The provider offers various repayment options and targets borrowers requiring significant sums backed by security.
Loan Details
- Min Amount: £20,000
- Max Amount: £25,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 30 years ⌛
Services & Industries
- Finance Types: Secured loans, Commercial finance
- Industries: Various sectors
Pros
- High maximum loan
- Long-term options
Fleximize offers flexible business loans suitable for SMEs across many sectors needing adaptable financing solutions. It is aimed at companies seeking competitive rates with tailored terms and loan structures, including secured and unsecured options. The provider focuses on flexibility of repayment and speed of approval to support business growth.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3-60 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Retail, Services, Manufacturing
Pros
- Industry-specific solutions
- Award-winning service
Cons
- Higher rates for riskier businesses
Century Business Finance provides secured and unsecured loan options with competitive rates and flexible terms tailored to UK SMEs’ growth and operational financing needs. It suits businesses looking for adaptable repayment schedules and access to a variety of loan products. The lender emphasises service flexibility and fast decision making.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6-48 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: General industries
Pros
- Fast approval process
- Flexible repayments
Cons
- APR dependent on creditworthiness
Portman Finance Group offers secured and unsecured business loans focused on competitive terms and timely access to funds for UK SMEs. It typically suits companies looking for straightforward loan structures with varying repayment periods. The lender provides options without personal guarantees where possible and supports quick funding.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 3-72 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: SMEs across various sectors
Pros
- No PG options
- Fast access to funds
Cons
- Eligibility criteria can be strict
Rangewell acts as a broker connecting businesses with various lenders across the UK, specialising in tailored loan solutions for different sectors. It is suited for companies seeking broad access to lender options and personalised advice. Rangewell emphasises flexibility and sector-specific guidance but does not directly provide loans.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Multiple sectors
Pros
- Comprehensive lender network
- Sector-specific advice
Cons
- May not directly provide loans
MoneySuperMarket is a price comparison service enabling businesses to review and compare loan options from multiple lenders in one place. It targets companies wishing to explore a wide range of available finance products for informed decision-making. The platform itself does not lend but facilitates transparent comparison of terms and rates.
Loan Details
- Min Amount: £20,000
- Max Amount: £5,000,000
- Min APR: 5.9%
- Max APR: 24.9%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Comparison services
- Industries: All sectors
Pros
- Transparent and comprehensive
Simply Business primarily provides business insurance and related financial services rather than traditional loans. It is suitable for small businesses and landlords looking for tailored insurance solutions rather than direct financing. Their offerings focus on coverage and risk management more than lending products.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business insurance
- Industries: Small businesses, Landlords
Pros
- Large customer base
- Trusted provider
Cons
- Primarily insurance-focused
Boost Capital specialises in providing quick funding through short-term loans and merchant cash advances for SMEs requiring fast access to capital. It suits businesses needing flexible, short-duration finance typically to support immediate growth or operational needs. The provider focuses on speed and ease of application rather than long-term financing.
Loan Details
- Min Amount: £3,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 2-12 months ⌛
Services & Industries
- Finance Types: Merchant cash advances, Short-term loans
- Industries: Various UK SMEs
Pros
- Quick funding
- Easy to apply
How to choose
When seeking the best lenders for a secured business loan between 20,000 and 50,000 pounds, it is important to prioritise lenders that cater specifically to secured financing. Evaluate loan sizes, APRs, and repayment terms that align with your cash flow and business plans. Consider the level of collateral required and flexibility in repayment schedules, as well as application speed if time-sensitive funding is needed. Brokered lenders often offer access to wider options but may require more steps in the process. Check lender eligibility criteria carefully to ensure your business qualifies. Finally, assess fees, early repayment options, and any restrictions before committing.
Conclusion
Choosing the right lender for a 20 thousand to 50 thousand pounds loan depends on the purpose and specifics of your business needs. Traditional banks are suitable for established businesses seeking structured loans with security, while brokers and specialist lenders provide tailored access and flexible terms. Funding Agent remains a useful tool for quick comparison of options across the market. Always review current terms and conditions with each provider to ensure the best fit for your franchise or business.