January 23, 2026
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Best Lenders to secure a 30k Secured Business Loan

Best Lenders to secure a 30k Secured Business Loan

Discover the best lenders offering £30,000 secured business loans. Compare rates, terms, and find the ideal financing to grow your business.
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 30k 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 specialises in brokering unsecured business loans and working capital for UK SMEs quickly and efficiently. It is suitable for franchises and small businesses seeking fast access through an easy application without collateral. The provider offers flexible repayment options and supports businesses looking for transparent terms and competitive choices.

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. NatWest

NatWest focuses on traditional bank business loans and overdrafts tailored to UK SMEs, including franchises and established companies. It is suited for those who value lender reputation and a broad product range. NatWest provides secured and unsecured options with structured repayment terms and is suited for customers willing to meet established lending criteria.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured
  • Industries: General Business

Pros

  • Established reputation
  • Wide range of products

Cons

  • Higher APR for larger loans

Sources: Source

3. Barclays

Barclays offers a mix of secured and unsecured business loans designed for a variety of business needs including asset financing. Suitable for general business borrowers, it provides flexible repayment terms and online account management. The provider generally involves collateral for larger loans with competitive APRs tailored to risk profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured, Asset Finance
  • Industries: General Business

Pros

  • Flexible repayment terms
  • Online management

Cons

  • Limitations on loan amounts

Sources: Source

4. Bizcap

Bizcap provides fast, flexible financing primarily for SMEs looking for simple access to capital. It focuses on unsecured and secured products with emphasis on rapid approvals. This lender is suitable for businesses valuing quick turnaround and straightforward terms without extensive collateral demands.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured
  • Industries: SMEs

Pros

  • Quick approval
  • No credit check

Cons

  • Higher costs due to risk

Sources: Source

5. Fleximize

Fleximize offers tailored secured and unsecured business loans aimed at SMEs seeking strategic growth capital. The lender provides flexible repayment schedules and competitive interest rates suitable for medium-sized enterprises. Their approach balances funding speed with terms adjusted to customer needs and business types.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured
  • Industries: SMEs

Pros

  • Loyalty discounts
  • Custom repayment schedule

Cons

  • Interest may accumulate quickly

Sources: Source

6. Iwoca

Iwoca specialises in working capital and unsecured loans for small businesses across various sectors. Known for quick funding decisions and transparent fees, it suits businesses needing short-term finances. Iwoca offers flexible credit limits with accessible repayment options, often without requiring collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 49%
  • Loan Duration: 1–24 months ⌛

Services & Industries

  • Finance Types: Working Capital, Unsecured
  • Industries: Retail, Services, Wholesale

Pros

  • Easy application
  • No hidden fees

Cons

  • High APR for riskier profiles

Sources: Source

7. HSBC

HSBC provides business loans with fixed and variable interest rates designed for a range of business sizes. It is suitable for companies seeking longer terms and structured repayment plans. HSBC focuses on established businesses requiring both secured and unsecured loan facilities with reliable lender backing.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 0%
  • Loan Duration: 12–120 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured
  • Industries: General Business

Pros

  • Diverse loan options
  • Flexible terms

Cons

  • Stricter lending criteria

Sources: Source

8. Johnson Reed

Johnson Reed specialises in unsecured business loans with flexible repayment plans and fast approval. It is suited to SMEs looking for quick capital without the need for collateral. This provider offers adaptable terms that accommodate varying business needs with streamlined application processes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Unsecured
  • Industries: SMEs

Pros

  • Quick processing
  • No collateral required

Cons

  • Potentially higher interest rates

Sources: Source

9. Time Finance

Time Finance provides a suite of secured and unsecured finance solutions designed to help UK businesses manage cash flow and growth. Its products suit businesses prepared for flexible lending terms with options tailored to industry needs. The lender focuses on customised funding packages with transparent application and support services.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Secured, Unsecured, Asset Finance
  • Industries: General Business

Pros

  • Customized solutions
  • Strong support

Cons

  • Higher minimum amount required

Sources: Source

10. Virgin Money

Virgin Money provides a range of secured and unsecured business loans ideal for startups and established companies requiring flexible funding. This lender emphasises tailored borrowing and repayment options with competitive rates. Suitable for businesses seeking long-term finance with personalised support.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–240 months ⌛

Services & Industries

  • Finance Types: Secured, Unsecured
  • Industries: Startups, Established businesses

Pros

  • High borrowing limits
  • Long repayment terms

Cons

  • Selective approval

Sources: Source

How to choose

When seeking the best lenders to secure a 30k secured business loan, consider the balance between loan amount and APR to suit your business budget. Check eligibility to understand qualification requirements, including any collateral or security needed. Assess the speed of funding against the flexibility of repayment options, especially for franchises with varying cash flow patterns. Pay close attention to lender fees, terms for early repayment, and whether the loan suits your franchise’s financial cycle. Choosing between banks, brokers or specialist lenders depends on your preferences for borrowing limits, risk appetite, and service needs.

Conclusion

Choosing the right lender depends on your business use case. Banks provide stability and broad product offerings, often suited for established businesses. Brokers like Funding Agent offer fast comparisons and access to multiple lenders, ideal for businesses seeking speed and choice. Specialist lenders cater to specific needs such as quick unsecured funding or asset finance. For a 30 thousand pounds loan, matching provider type to your requirements ensures appropriate terms and effective support.

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FAQs

What is a secured business loan?
Why choose a secured loan for £30,000?
Which lenders offer the best rates for £30k secured business loans?
How long does it take to get approved for a secured business loan?
What assets can be used as security for the loan?
Are secured business loans suitable for start-ups?

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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
2NatWestNatWest offers a variety of business financial products, including loans and overdrafts, aimed at supporting UK SMEs.£1,000–£100,000; 10%–15% APR; 12–84 months
3BarclaysBarclays is a major player in business banking, offering both secured and unsecured loans with an attractive APR.£1,000–£5,000; 11.2%–14.9% APR; 12–60 months
4BizcapBizcap is known for providing fast and flexible business financing solutions.£5,000–£750,000; 0%–0% APR; 3–36 months
5FleximizeFleximize provides tailored business loans with flexible terms, helping small to medium enterprises achieve their strategic goals with competitive interest rates and quick funding options.£5,000–£500,000; 9.6%–0% APR; 3–60 months
6IwocaIwoca offers flexible credit facilities for small businesses across the UK, known for their quick access to finance and supportive customer service, making them a preferred choice for working capital needs.£1,000–£1,000,000; 6%–49% APR; 1–24 months
7HSBCHSBC offers a range of business loans tailored to meet the needs of different businesses, featuring both fixed and variable interest rate options, and providing substantial financial products to aid business growth.£1,000–£25,000; 11.3%–0% APR; 12–120 months
8Johnson ReedJohnson Reed specializes in providing unsecured business loans with flexible repayment plans and fast approval processes, helping SMEs in the UK access the funding they need swiftly.£5,000–£0; 0%–0% APR; Flexible
9Time FinanceTime Finance offers a range of tailored finance solutions designed to empower businesses through flexible funding options that support cash flow and business growth across the UK.£50,000–£500,000; 0%–0% APR; Flexible
10Virgin MoneyVirgin Money provides business loans with a flexible range of borrowing options tailored to the needs of startups and established businesses, featuring competitive rates and personalized support.£30,000–£10,000,000; 0%–0% APR; 12–240 months
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