January 23, 2026
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Best Lenders to Secure a 20k to 50k Secured Business Loan

Best Lenders to Secure a 20k to 50k Secured Business Loan

Discover the best lenders offering secured business loans from £20,000 to £50,000. Compare rates, terms, and find the perfect financing option 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 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.

1. Funding Agent

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

Sources: Funding Agent

2. Barclays

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

Sources: Source

3. Clifton Private Finance

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

Cons

  • Potential high fees

Sources: Source

4. Fleximize

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

Sources: Source

5. Century Business Finance

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

Sources: Source

6. Portman Finance Group

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

Sources: Source

7. Rangewell

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

Sources: Source

8. MoneySuperMarket

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

Cons

  • Does not directly lend

Sources: Source

9. Simply Business

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

Sources: Source

10. Boost Capital

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

Cons

  • Shorter loan terms

Sources: Source

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.

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FAQs

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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
2BarclaysBarclays is a major bank offering a wide range of business loans, including secured options with competitive rates for growing businesses.£5,000–£10,000; 11.2%–14.9% APR; Variable
3Clifton Private FinanceClifton Private Finance specializes in secured business loans, offering large loan amounts tailored to business turnover.£20,000–£25,000,000; 0%–0% APR; Up to 30 years
4FleximizeFleximize provides flexible business loan options for SMEs across various industries, with a focus on competitive rates and tailored services.£10,000–£500,000; 0%–0% APR; 3-60 months
5Century Business FinanceCentury Business Finance offers competitive rates and flexible terms for secured loans, assisting UK SMEs with growth and operation needs.£0–£0; 0%–0% APR; 6-48 months
6Portman Finance GroupPortman Finance Group offers a variety of business loans, including secured options with competitive terms for UK SMEs.£10,000–£2,000,000; 6.9%–0% APR; 3-72 months
7RangewellRangewell connects businesses with a wide range of lenders, providing tailored loan solutions across various industries in the UK.£0–£0; 0%–0% APR; Variable
8MoneySuperMarketMoneySuperMarket is a price comparison service that allows businesses to compare a variety of loan options from multiple lenders.£20,000–£5,000,000; 5.9%–24.9% APR; Variable
9Simply BusinessSimply Business is one of the UK's leading business insurance providers, offering tailored coverage and financial services.£0–£0; 0%–0% APR; Unknown
10Boost CapitalBoost Capital provides swift funding solutions for SMEs, with loan options for quick business expansion or short-term needs.£3,000–£500,000; 0%–0% APR; 2-12 months