April 14, 2026
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Best Lenders to Secure a 260k Secured Business Loan

Discover the best lenders offering secured business loans up to £260,000. Get competitive rates, flexible terms, and expert tips for securing your business funding today.
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Best Lenders to Secure a 260k Secured Business Loan
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Lenders to Secure a 260k 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 2026-04-07.

1. Funding Agent

Funding Agent focuses on providing a streamlined comparison service for UK SMEs seeking various business finance options. It is suited to borrowers looking for quick eligibility checks and simple applications. This provider offers a range of unsecured and short-term loans without collateral, emphasising ease and accessibility.

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. Fleximize

Fleximize specialises in offering both secured and unsecured loans focused on flexibility for UK SMEs. It suits businesses seeking tailored funding with options for various loan sizes and terms. Its approach balances application speed with options for collateral and repayment structures to match borrower needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 11%
  • Max APR: 46.8%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: SMEs

Pros

  • Flexible terms
  • Strong customer service

Cons

  • Higher rates for riskier profiles

Sources: Source Source

3. Portman Finance Group

Portman Finance Group provides a broad range of secured and unsecured business loans for UK companies. It is suitable for businesses requiring higher loan amounts with various term options. The provider offers both direct lending and brokered access, with flexibility on collateral and repayment terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: General business

Pros

  • Various loan products
  • High loan amount limits

Cons

  • Also acts as a broker

Sources: Source

4. Together Money

Together Money concentrates on secured lending against commercial and residential property, offering flexible loan options. It is well suited to borrowers needing property-backed financing with varied term lengths. The provider offers options for repayment flexibility and high loan-to-value ratios in some cases.

Loan Details

  • Min Amount: £0
  • Max Amount: £1,000,000
  • Min APR: 7.9%
  • Max APR: 0%
  • Loan Duration: 1 to 20 years ⌛

Services & Industries

  • Finance Types: Secured business loans
  • Industries: Property

Pros

  • Flexible property-backed loans

Cons

  • High interest rates

Sources: Source Source

5. Time Finance

Time Finance provides secured business loans aimed at supporting UK business growth. It is appropriate for borrowers needing straightforward property-secured finance with a focus on quick decisions. The provider tends to offer standard loan terms with an emphasis on accessibility for general business purposes.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured business loans
  • Industries: General business

Pros

  • Tailored funding solutions
  • Decisions made quickly

Cons

  • Limited product range

Sources: Source

6. Union Business Finance

Union Business Finance offers diverse tailored lending solutions with loan amounts up to several million pounds. It suits UK businesses seeking access to a broad lender network through brokered options or direct lending. The provider covers varied finance needs with different levels of collateral and flexible term structures.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: General business

Pros

  • High loan ceiling
  • Diverse product offerings

Cons

  • Acts primarily as a broker

Sources: Source Source

7. Barclays

Barclays offers traditional bank lending products including secured and unsecured loans, equipment finance, and commercial mortgages. It suits businesses looking for established financing with flexible repayment terms and options for collateral. The provider typically serves companies seeking varied loan durations with a trusted banking partner.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: General business

Pros

  • Trusted bank
  • Multiple financing options

Cons

  • Higher APR

Sources: Source Source

8. HSBC

HSBC provides flexible small business loans catering to a range of financing needs with standard loan terms. It is suitable for businesses requiring moderate loan amounts with support for different repayment schedules. The lender offers convenience via online services and access to a global banking network.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Small business loans
  • Industries: General business

Pros

  • Comprehensive online services
  • Global presence

Cons

  • Limited loan amount for small businesses

Sources: Source

9. NatWest

NatWest offers tailored secured and unsecured business loans designed for UK companies at various growth stages. It is suitable for those needing flexible rates and repayment structures, adapting to diverse business requirements. The lender balances traditional banking support with competitive financing options.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 13%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: General business

Pros

  • Flexibility in loan terms
  • Support for various industries

Cons

  • Interest rates may vary

Sources: Source Source

10. Metro Bank

Metro Bank offers commercial and business loans focusing on competitive interest rates and flexible terms. It is suitable for SMEs seeking finance for growth or acquisitions with support across retail and hospitality sectors. The lender provides loan options secured and unsecured, tailored to borrower requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,500,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: 1 to 30 years ⌛

Services & Industries

  • Finance Types: Secured business loans, Unsecured business loans
  • Industries: Retail, Hospitality

Pros

  • Customer-focused service
  • Flexible loan terms

Cons

  • Relatively higher APR

Sources: Source

How to choose

When seeking to secure a 260k secured business loan, focus on lenders that align with your purpose and financial profile. Consider loan size and APR to ensure the repayments are manageable. Check eligibility criteria closely and factor in loan speed if timing is crucial. Balance flexibility offered in terms and collateral requirements against your business's assets. Also, review fees, early repayment options and lender reputation before committing.

Conclusion

Choosing the right lender depends on your specific needs. Banks like Barclays, HSBC, and NatWest offer established services with structured terms. Brokers and specialists, such as Funding Agent and Union Business Finance, provide broader access to products and flexibility with brokered loans. Funding Agent is a useful option for comparing multiple choices quickly. For a 260 thousand pounds loan, evaluate your security options, repayment capacity, and loan purpose carefully before deciding.

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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
2FleximizeFleximize offers flexible secured and unsecured loans to UK SMEs, with funding options from £5,000 to £500,000.£5,000–£500,000; 11%–46.8% APR; 1 to 5 years
3Portman Finance GroupPortman Finance Group provides a wide range of funding options for UK businesses, including secured and unsecured loans up to £2 million.£10,000–£2,000,000; 6.9%–0% APR; 3 months to 6 years
4Together MoneyTogether Money specializes in secured loans, offering flexible lending options for commercial and residential properties.£0–£1,000,000; 7.9%–0% APR; 1 to 20 years
5Time FinanceTime Finance offers secured business loans to support growth, allowing businesses in the UK to borrow between £50,000 and £500,000.£50,000–£500,000; 0%–0% APR; Up to 5 years
6Union Business FinanceUnion Business Finance offers a variety of tailored funding solutions to UK businesses, with loans available up to £5 million.£10,000–£5,000,000; 7%–0% APR; Unknown
7BarclaysBarclays provides a variety of business financing products, including loans for equipment and commercial mortgages with flexible terms.£1,000–£100,000; 11.2%–0% APR; 1 to 25 years
8HSBCHSBC's flexible business loans are designed to support a range of business financing needs with terms up to 10 years.£1,000–£25,000; 11.3%–0% APR; 1 to 10 years
9NatWestNatWest provides tailored business loans with flexible rates and repayment options, supporting UK businesses at various stages of growth.£25,001–£500,000; 8%–13% APR; Up to 5 years
10Metro BankMetro Bank provides commercial and business loans with competitive interest rates, tailored to support business growth and acquisition plans.£10,000–£2,500,000; 9.6%–0% APR; 1 to 30 years
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