April 14, 2026
Lists

Best Lenders to Secure a 470k Secured Business Loan

Discover the best lenders offering secured business loans up to £470,000. Learn how to secure funding with competitive rates and flexible terms to grow your business.
Square image with a black border and white background
Best Lenders to Secure a 470k Secured Business Loan
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Lenders to Secure a 470k 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 helping UK SMEs rapidly compare various business finance options through a streamlined application process. It is suitable for businesses seeking unsecured and working capital loans with a quick eligibility match. The platform provides flexible terms with no collateral required and transparent offerings.

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. Time Finance

Time Finance provides secured business loans focused on tailored financing solutions. It is suited to UK SMEs needing clear terms on loans secured by assets. The provider emphasises flexibility and tailored repayment options with potentially fast processing through brokered access.

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: Various

Pros

  • Tailored solutions
  • Flexible terms

Cons

  • Limited maximum amount

Sources: Source

3. Novuna

Novuna delivers flexible business finance solutions aimed at small to medium enterprises. It typically suits those looking for adaptable loan arrangements with simple terms. Novuna offers various repayment options but upper lending limits may lack clarity.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 7 years

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: SMEs

Pros

  • Fast decision
  • Flexible options

Cons

  • Details on upper loan limits are less clear

Sources: Source

4. Together Money

Together Money specialises in secured business loans, mainly offering property-secured financing. It is typically suitable for UK SMEs needing higher loan amounts secured on property collateral. Together Money features variable repayment types and considers loan-to-value ratios within its underwriting.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £2,000,000
  • Min APR: 10.04%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Various sectors

Pros

  • High loan amounts available
  • Loans secured against property

Cons

  • Higher interest rates

Sources: Source

5. Shire Funding

Shire Funding offers hassle-free, secured loans primarily targeting SMEs that require rapid access to funds. It fits businesses looking for straightforward secured loan solutions up to a moderate limit. Their products focus on competitive terms but with limited public details on fees or rates.

Loan Details

  • Min Amount: £0
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: SMEs

Pros

  • Fast funding approval
  • High loan amounts

Cons

  • Interest rates not widely detailed

Sources: Source

6. Close Brothers Business Finance

Close Brothers Business Finance offers secured loans focused on businesses with valuable assets to pledge. It suits SMEs requiring competitive interest rates and loans secured against business or personal property. Loans generally have structured repayments and require appropriate collateral.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Various sectors

Pros

  • Competitive starting APR
  • Secured against assets

Cons

  • Requires valuable collateral

Sources: Source

7. HSBC UK Business Banking

HSBC UK Business Banking delivers a range of secured and unsecured business loans targeting UK enterprises. It is well suited to businesses seeking bank-backed financing with established reputations. HSBC typically offers multiple repayment options but may apply strict eligibility standards.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Various sectors

Pros

  • Wide range of loan options
  • Established lender

Cons

  • Eligibility criteria can be strict

Sources: Source

8. Barclays Business Banking

Barclays Business Banking specialises in secured business loans designed for growing UK companies. The bank tends to offer competitive interest rates and access to an extensive branch network. Loan products often include flexible repayments but may have higher APRs on smaller loans.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 14.9%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Various sectors

Pros

  • Wide network
  • Good customer service

Cons

  • Higher APR for smaller loans

Sources: Source

9. Lloyds Bank Commercial Banking

Lloyds Bank Commercial Banking provides secured loans and tailored financial solutions to support business growth. Suitable for UK companies seeking bank-led lending with flexible repayment options. Loan terms and eligibility requirements vary depending on business profile and security offered.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Various sectors

Pros

  • Tailored solutions
  • Flexible repayment options

Cons

  • Eligibility criteria

Sources: Source

10. NatWest Business Banking

NatWest Business Banking offers a broad range of secured business loans tailored to UK businesses of various sizes. It is suitable for operators looking for comprehensive funding solutions with flexible repayment structures. Loan details and eligibility may vary and typically depend on business sector and collateral.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: All sectors

Pros

  • Comprehensive solutions
  • Flexible

Cons

  • Detailed loan terms not easily available

Sources: Source

How to choose

When selecting the best lender to secure a 470k secured business loan, start by matching the loan amount and APR to your budget and business needs. Evaluate eligibility requirements against your profile, considering how quickly funds are needed versus the flexibility of terms offered. Pay close attention to collateral requirements and whether the lender accepts the assets you can offer. Assess repayment schedules to ensure they align with your franchise's cash flow and seasonal cycles. Finally, review fees, early repayment options, and lender reputation before committing.

Conclusion

Choosing the right lender depends on your specific use case. Bank loans often provide stability and broad service but may involve stricter eligibility. Brokers and specialist lenders might offer faster access or more tailored terms, particularly for asset-backed loans. Funding Agent remains a useful option for SMEs seeking quick comparisons. For loans around four hundred and seventy thousand pounds, consider your priorities between speed, loan size, and collateral carefully before deciding.

Table of Contents

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a secured business loan?
How can I qualify for a £470k secured business loan?
Which lenders offer business loans up to £470,000?
What are the benefits of a secured business loan?
How long does it take to get approved for a secured business loan?
What happens if I cannot repay my 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
2Time FinanceTime Finance provides tailored business finance solutions including secured loans from £50,000 to £500,000.£50,000–£500,000; 0%–0% APR; Up to 5 years
3NovunaNovuna offers flexible business finance solutions tailored to small and medium-sized enterprises.£10,000–£0; 0%–0% APR; 1 to 7 years
4Together MoneyTogether Money specializes in secured loans for businesses, providing funding solutions using property as security.£30,000–£2,000,000; 10.04%–0% APR; Unknown
5Shire FundingShire Funding provides quick, hassle-free secured business loans for SMEs up to £1 million.£0–£1,000,000; 0%–0% APR; Unknown
6Close Brothers Business FinanceOffering secured business loans with competitive interest rates starting at 6% for loans secured against valuable business or personal assets.£0–£0; 6%–0% APR; Unknown
7HSBC UK Business BankingInternational bank offering a range of business loans including secured options for UK businesses.£0–£0; 0%–0% APR; Unknown
8Barclays Business BankingBarclays offers secured business loan solutions with competitive interest rates for growing businesses in the UK.£0–£0; 14.9%–0% APR; Unknown
9Lloyds Bank Commercial BankingLloyds Bank provides tailored financial products including secured loans to meet the needs of growing businesses.£0–£0; 0%–0% APR; Unknown
10NatWest Business BankingNatWest offers comprehensive business funding solutions including secured loans tailored to UK businesses.£0–£0; 0%–0% APR; Unknown