April 14, 2026
Lists

Best Lenders to Secure a 330k Secured Business Loan

Discover the best lenders offering secured business loans up to £330,000. Compare rates, terms, and eligibility to find the ideal loan for your business needs.
Square image with a black border and white background
Best Lenders to Secure a 330k 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 330k 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 simplified platform for UK SMEs to compare business finance options efficiently. It is generally suitable for small and medium enterprises seeking unsecured business loans with a straightforward application process. The lender offers flexible terms without requiring collateral, appealing to businesses needing quick eligibility checks and transparent options.

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 specialises in traditional bank business loans, including secured and green loan products. It serves UK SMEs and franchises that require structured lending with variable or fixed repayment options. Known for its range of loan products, Barclays typically suits borrowers who can meet stricter eligibility and collateral criteria.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 3.9%
  • Max APR: 9.9%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: secured business loans, green business loans
  • Industries: Retail, Logistics, Energy

Pros

  • Variety of loan products
  • Trusted financial institution

Cons

  • Strict eligibility criteria

Sources: Source

3. HSBC

HSBC offers a wide range of business loans tailored for small businesses in the UK. Their loans suit companies seeking flexible repayment options with competitive rates, often requiring established credit profiles. HSBC lends across diverse sectors and supports different loan structures to match various financing needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 13.9%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: small business loans, flexible business loans
  • Industries: Construction, Healthcare, Finance

Pros

  • Global reach
  • Various loan options

Cons

  • Higher minimum APR

Sources: Source

4. NatWest

NatWest provides a broad array of fixed and variable rate business loans to established UK businesses. It caters well to borrowers seeking larger loan amounts and longer repayment terms. NatWest’s offerings generally involve standard credit and security requirements common with banking institutions.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 8%
  • Loan Duration: 12 to 120 months ⌛

Services & Industries

  • Finance Types: fixed rate business loans, variable rate business loans
  • Industries: Agriculture, Real Estate, Automotive

Pros

  • No early repayment fees
  • Large loan amounts

Cons

  • Higher credit score requirements

Sources: Source

5. Funding Circle

Funding Circle operates as a peer-to-peer lending marketplace connecting investors with UK SMEs. It typically suits businesses comfortable with online platforms seeking unsecured or short-term financing options. Funding Circle offers flexibility but may involve higher APRs compared to traditional lenders.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 5.49%
  • Max APR: 20%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: business loans, short term business loans
  • Industries: Retail, Hospitality, Technology

Pros

  • Fast application process
  • Peer-to-peer platform

Cons

  • Higher APR for newer businesses

Sources: Source

6. iwoca

iwoca provides flexible credit solutions for small UK businesses, with a focus on fast decision-making and tailored repayment plans. It suits companies needing revolving credit or unsecured loans with shorter terms. Their approach emphasises ease of access without demanding traditional collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 2%
  • Max APR: 6%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: unsecured business loans, credit lines, revolving credit
  • Industries: Retail, Professional Services, Manufacturing

Pros

  • Flexible terms
  • Fast decision
  • No early repayment fees

Cons

  • Shorter repayment terms

Sources: Source

7. Metro Bank

Metro Bank provides straightforward commercial lending services with an emphasis on supportive customer experience. It is suited to businesses requiring asset finance or structured business loans with flexible terms. Metro Bank typically meets needs where transparent fees and customer service are priorities.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 3.5%
  • Max APR: 12%
  • Loan Duration: 12 to 300 months ⌛

Services & Industries

  • Finance Types: commercial loans, asset finance
  • Industries: Hospitality, Retail, Construction

Pros

  • Customer service focused
  • No hidden fees

Cons

  • Limited branch locations

Sources: Source

8. Fleximize

Fleximize is a specialist UK lender offering flexible business loans tailored to SME growth. They provide secured and unsecured options with varied repayment terms, suited for companies requiring adaptation to seasonal cash flow or expansion capital. Fleximize is a good fit for businesses valuing speed and adaptable financing.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 2.9%
  • Max APR: 12.5%
  • Loan Duration: 1 to 48 months ⌛

Services & Industries

  • Finance Types: secured business loans, unsecured business loans
  • Industries: E-commerce, Hospitality, Media

Pros

  • Flexible terms
  • Quick application process

Cons

  • Higher fees for larger loans

Sources: Source

9. Aldermore Bank

Aldermore Bank offers tailored financial products focusing on asset-based lending and fixed-term loans. It is generally chosen by SMEs that require structured support and specialist advice. Aldermore supports businesses with specific lending needs across targeted industries, often with bespoke loan terms aligned to business goals.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 5.1%
  • Max APR: 14.9%
  • Loan Duration: 6 to 72 months ⌛

Services & Industries

  • Finance Types: asset-based lending, fixed term loans
  • Industries: Engineering, Healthcare, Technology

Pros

  • Tailored solutions
  • Supportive approach

Cons

  • Not suitable for start-ups

Sources: Source

10. Close Brothers

Close Brothers is a merchant bank focusing on lending, wealth management, and financial advice. It serves businesses that require higher loan amounts with varied asset finance and leasing options. Close Brothers typically suits firms looking for structured finance solutions supported by experienced advisory services.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 4.5%
  • Max APR: 10.5%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: asset finance, leasing
  • Industries: Transport, Healthcare, Construction

Pros

  • High lending capacity
  • Strong financial backing

Cons

  • Complex application process

Sources: Source

How to choose

When selecting a lender for securing a 330k secured business loan, consider your business size and loan purpose carefully. Bank lenders often provide lower rates but may require stronger credit and collateral. Specialist lenders and brokers can offer more flexible terms and quicker decisions, though sometimes at higher costs. Evaluate loan duration, APR, repayment options, and early repayment conditions to match your cash flow cycle. Always verify the lender’s security and eligibility requirements before applying.

Conclusion

Matching the right lender to your business needs is key, especially for a 330 thousand pounds loan. Banks generally suit established businesses seeking structured loans with collateral. Brokers and specialist lenders offer more flexibility and faster access to funds, often catering to diverse industry sectors. Funding Agent remains a useful platform for SMEs to compare multiple lending options. Ensure to verify current terms and align financing with your business goals.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a secured business loan?
Who are the best lenders for a £330k secured business loan?
What are the eligibility criteria for securing a £330k business loan?
How long does it take to get approved for a secured business loan?
What can I use a £330k secured business loan for?
What are the risks of taking a secured business loan?

Get Funding For
Your Business

Generate offers
Cta image
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 global financial services provider engaged in personal banking, credit cards, corporate and investment banking, and wealth management with an active business loan section in the UK.£1,000–£100,000; 3.9%–9.9% APR; 12 to 60 months
3HSBCHSBC is one of the world's largest banking and financial services organizations, offering a comprehensive range of business loans to UK companies.£1,000–£25,000; 11.3%–13.9% APR; 12 to 60 months
4NatWestNatWest provides comprehensive financial services to personal and business customers, with a robust business loans division in the UK.£25,001–£1,000,000; 4%–8% APR; 12 to 120 months
5Funding CircleFunding Circle is a peer-to-peer lending marketplace that allows investors to lend money directly to small and medium-sized businesses in the UK.£10,000–£750,000; 5.49%–20% APR; 6 to 60 months
6iwocaiwoca offers flexible credit to small businesses across the UK, with decisions made quickly and the ability to tailor repayments to personal business needs.£1,000–£1,000,000; 2%–6% APR; 1 to 24 months
7Metro BankMetro Bank aims to offer straightforward banking services for personal and business customers, with a focus on supportive business loans.£5,000–£500,000; 3.5%–12% APR; 12 to 300 months
8FleximizeFleximize is a UK-based lender specialising in flexible business loans tailored to the needs of SMEs, allowing them to expand and thrive.£5,000–£500,000; 2.9%–12.5% APR; 1 to 48 months
9Aldermore BankAldermore Bank provides a range of financial products including business loans, with a focus on supporting SMEs in achieving their business goals.£10,000–£250,000; 5.1%–14.9% APR; 6 to 72 months
10Close BrothersClose Brothers is a leading UK merchant bank, providing lending, wealth management, and financial advice tailored to customer needs.£50,000–£5,000,000; 4.5%–10.5% APR; 12 to 84 months
Apply now