Best Lenders to Secure a 460k 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 comparing a wide range of business finance options for UK SMEs. It is suitable for franchise buyers or small businesses that want fast, clear loan offers with simple application and eligibility matching. The platform provides flexibility in terms and funds access without requiring collateral for many 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
Time Finance provides secured and asset-backed business loans designed to support working capital and growth needs. It suits UK SMEs, particularly those who can offer collateral like property or equipment. The provider offers flexible terms and funding solutions with a focus on rapid access to capital.
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 Loans, Asset Finance, Invoice Finance
- Industries: Construction, Wholesale
Pros
- Tailored loan options
- Quick capital access
Cons
- Requires security
- Limited to UK businesses
Fleximize is a digital lender focusing on flexible and tailored loan products for SMEs across various sectors. It is suitable for businesses seeking quick funding with adaptable repayment schedules. Loans can be secured or unsecured, giving options around collateral and tailored finance structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 1.9%
- Max APR: 3.9%
- Loan Duration: 6 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Retail, Technology
Pros
- Fast funding within 24 hours
- Flexible repayment terms
Novuna offers business loans with clear, straightforward terms and no hidden fees. It targets SMEs seeking straightforward financing, suitable for a variety of industries. The provider offers secured and unsecured options with flexible repayment types to support operational or growth needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Healthcare, Retail
Pros
- No hidden fees
- Large loan amounts
Cons
- Higher rates for risky borrowers
Close Brothers Business Finance delivers flexible secured funding solutions suitable for SMEs needing longer term finance. It caters to sectors requiring specialist lending across various industries. Terms are adaptable with options for asset finance and loans secured against property or equipment.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 0%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Manufacturing, Logistics
Pros
- Specialist in various sectors
- Long-term financing options
Cons
- Interest rates vary with risk
Together Money provides secured loans and bridging finance with a practical approach. It suits businesses that need loans secured on property, with flexibility around collateral use. The provider supports longer terms and quick loan decisions for UK SMEs with commercial finance needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 99 years plus term ⌛
Services & Industries
- Finance Types: Secured Loans, Bridging Loans
- Industries: Property Development, Retail
Pros
- Quick loan processing
- Flexible use of collateral
Just Cashflow offers business loans and credit facilities targeting SMEs with cash flow requirements. It is suitable for businesses needing flexible credit support and secured loans. The lender focuses on simplicity and early settlement options to assist in managing finances efficiently.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 3 to 48 months ⌛
Services & Industries
- Finance Types: Secured Loans, Credit Facilities
- Industries: Retail, Hospitality
Pros
- No hidden charges
- Early settlement options
Cons
- May require security for higher amounts
Aldermore Bank provides secured business loans and asset finance aimed at SMEs with competitive rates. It suits businesses looking for tailored financial products with structured repayment plans. Support is provided for various sectors including manufacturing and healthcare.
Loan Details
- Min Amount: £25,000
- Max Amount: £0
- Min APR: 5%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Manufacturing, Healthcare
Pros
- Competitive rates
- Dedicated support
Cons
- Requires strong credit profile
Shawbrook Bank offers secured loans and asset finance for UK businesses targeting growth and development. It is suitable for businesses requiring larger loan amounts with flexibility in terms and conditions. Security on property is typically required, with options for longer repayment durations.
Loan Details
- Min Amount: £10,000
- Max Amount: £15,000,000
- Min APR: 6.5%
- Max APR: 0%
- Loan Duration: 1 to 25 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Real Estate, Agriculture
Pros
- Large loan amounts available
- Flexible terms
Cons
- High-value loans require property security
Hitachi Capital Business Finance offers secured and asset-backed business loans tailored for UK enterprises aiming to grow. It caters to businesses needing varied term financing solutions with comprehensive support. Loan products focus on flexibility and sector-specific lending options.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 8%
- Max APR: 0%
- Loan Duration: Varied terms ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Technology, Construction
Pros
- Established lender
- Comprehensive support
Cons
- Higher APR for unsecured loans
How to choose
When considering the best lenders to secure a 460k secured business loan, focus on matching loan sizes and APRs to your financial capacity. Evaluate eligibility criteria carefully, including collateral requirements and sector fits. Speed of loan approval is important, but don’t overlook flexibility in repayment schedules and early repayment options. Ensure you understand the loan terms, fees, and any long-term commitments. Using a broker can help access multiple options quickly, but direct lenders may offer specialised terms. Prioritise lenders that align with your business needs and lending purpose.
Conclusion
Choosing the right provider depends on your business type and loan purpose. Banks typically suit larger, secured loans with established lending criteria. Brokers can offer faster access to multiple options but may involve more fees. Specialist lenders provide tailored products for specific sectors or needs. Funding Agent is useful for SMEs seeking quick comparison across diverse loan products. Always confirm details to ensure they match your 460 thousand pounds loan requirements.
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