Best Lenders to Secure a 300k 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.
Funding Agent focuses on fast comparison and eligibility matching of various business finance options for UK SMEs. It is suitable for those seeking unsecured business loans and working capital with a straightforward application process. The provider offers flexible financing types, generally without requiring collateral, and enables quick decisions on available 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
Lloyds Bank provides traditional bank business loans focused on a diverse client base across the UK. It suits businesses looking for competitive rates with longer repayment terms, often involving secured and unsecured options. The lender prioritises established companies that meet stricter eligibility requirements and offers predictable lending products.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 25 years ⌛
Services & Industries
- Finance Types: Business Loans, Secured Loans
- Industries: Various industries
Pros
- Wide range of financial products
- Reputable high street bank
Cons
- Strict eligibility criteria
Capify specialises in providing flexible and fast-access business loans primarily tailored to SMEs. It is typically used by businesses requiring short-term and secured lending solutions with personalised service. Capify emphasises quick decisions and variable repayment options suited to diverse operational needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Secured Loans, Short-term Loans
- Industries: SMEs
Pros
- Fast application process
- No early repayment fees
Cons
- Higher interest rates for lower credit scores
NatWest offers a broad range of business loan products aimed at supporting UK SMEs with competitive rates. It is suited for businesses needing flexible term options and various finance types, including overdrafts. NatWest focuses on established companies with a range of secured and unsecured lending options.
Loan Details
- Min Amount: £25,001
- Max Amount: £10,000,000
- Min APR: 8%
- Max APR: 13%
- Loan Duration: Various terms available ⌛
Services & Industries
- Finance Types: Business Loans, Overdrafts
- Industries: General business sectors
Pros
- Well-known high street bank
- Flexible loan options
Cons
- Potential fees for early repayment
Century Business Finance provides tailored financial solutions primarily through brokered access and focuses on fast approvals. It is suitable for SMEs seeking straightforward lending for growth, offering flexible repayment terms. This provider generally handles a variety of loan types geared towards long-term business development.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to several years ⌛
Services & Industries
- Finance Types: Business Loans, Long-term Loans
- Industries: SMEs
Pros
- Same-day approval
- Flexible repayment terms
Together Money focuses on secured business loans, primarily using property as collateral for UK companies. It is suitable for borrowers needing varied terms secured on real estate assets. The provider offers diverse collateral acceptance with an emphasis on flexible repayment structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varied terms ⌛
Services & Industries
- Finance Types: Secured Loans
- Industries: Real Estate, General business sectors
Pros
- Quick approval process
- Diverse collateral acceptance
Cons
- Primarily property-backed loans
Time Finance offers flexible secured loans tailored to UK businesses aiming to support growth. It suits borrowers requiring customised financing with varied repayment schedules secured on assets. Time Finance emphasises personalised terms and adaptable funding solutions across multiple sectors.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Tailored terms ⌛
Services & Industries
- Finance Types: Secured Loans, Finance Solutions
- Industries: Various sectors
Pros
- Tailored terms
- Flexible solutions
Close Brothers Business Finance provides secured loans focussed on UK businesses, emphasising growth support through financial assistance. It generally requires collateral and targets companies prepared for flexible term arrangements. This lender is suitable for those needing stable, asset-backed financing with competitive APR options.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Secured Loans
- Industries: Various industries
Pros
- Competitive APR rates
- Established lender
Cons
- Strict collateral requirements
Clifton Private Finance provides long-term financing designed to support substantial business growth and expansion. It is suitable for companies needing extended repayment schedules and larger loans, often secured. The lender prioritises long-term commitments with flexible repayment and asset-backed options.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 30 years ⌛
Services & Industries
- Finance Types: Long-term Loans
- Industries: General business sectors
Pros
- Extensive loan term options
- Focus on business expansion
Cons
- Not suitable for small amounts
HSBC UK offers business loans under specialised schemes to support SME growth across various sectors. It suits borrowers needing flexible loan terms backed by a global banking network. The lender provides a mix of standard and growth-focused loan products with selective eligibility.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Business Loans, Growth Loans
- Industries: Various sectors
Pros
- Global banking network
- Support for SMEs
Cons
- Selective eligibility requirements
How to choose
When securing a 300k secured business loan, consider lenders that match your loan size and repayment capacity. Focus on eligibility requirements, especially if collateral is required, and assess the flexibility of repayment terms. Speed of approval varies; some lenders offer faster processing for simpler applications. Balance the need for flexible terms against interest rates and fees. Always review lender policies on early repayment and any associated costs before committing.
Conclusion
Choosing the right lender depends on your business needs and loan purpose. Bank lenders offer stability and established products, suitable for standard secured loans and longer terms. Brokers and specialists provide access to diverse funding sources and may be better for complex or urgent needs. Funding Agent remains a useful tool for exploring multiple options quickly. Review terms carefully to ensure the loan fits your operational and financial goals when seeking a 300 thousand pounds loan.
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