April 14, 2026
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Best Lenders to Secure a 480k Secured Business Loan

Discover the best lenders to secure a £480,000 secured business loan. Compare rates, terms, and find the ideal financing solution for your business needs.
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Best Lenders to Secure a 480k 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 480k 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 quick comparisons of unsecured and merchant cash advance loans for UK SMEs. It is suitable for businesses seeking efficient application processes with no collateral requirements. This provider emphasises flexibility in loan options and speed of approvals to support business needs.

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. Fleximize

Fleximize provides flexible secured and unsecured business loans primarily aimed at UK SMEs who require adaptable lending terms. It is suitable for operators needing various loan structures, including secured options, with a focus on digital accessibility. The lender offers varying repayment types and considers client-specific factors such as loan to value and collateral requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Retail, Services, Manufacturing

Pros

  • Fast funding
  • Flexible loan terms

Cons

  • Requires trading history

Sources: Source Source

3. Time Finance

Time Finance specialises in secured business loans tailored for UK companies requiring asset-backed finance. It suits businesses looking for longer-term loans where collateral is involved, often to support growth or cash flow needs. Flexibility in repayment structures and security terms is a key feature for suitable borrowers.

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: General, SME

Pros

  • Flexible repayment options

Cons

  • Requires collateral

Sources: Source Source

4. Novuna

Novuna provides flexible business loans primarily to UK companies seeking unsecured or traditional borrowing options. The lender is ideal for businesses looking for straightforward funding with no surprise fees and transparent repayment terms. Novuna caters to a range of sectors with a focus on timely access to funds.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 7 years ⌛

Services & Industries

  • Finance Types: Business Loans, Unsecured Business Loans
  • Industries: Construction, Retail

Pros

  • Speedy release of funds
  • Straightforward repayment

Cons

  • Limited to established businesses

Sources: Source Source

5. Together Money

Together Money focuses on secured loans for UK businesses, primarily for those needing flexible lending secured against property or other assets. It is suitable for borrowers requiring higher loan amounts with a security interest. Their services offer varying loan to value levels and consider borrower-specific criteria for flexibility.

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: Property, Investment

Pros

  • High loan amounts available
  • Flexible lending criteria

Cons

  • Requires security

Sources: Source Source

6. BCR Group

BCR Group offers both secured and unsecured loan products for UK businesses, serving a variety of sectors including manufacturing and retail. Suitable for companies looking for competitive rates with diverse financial products. The lender presents options for longer loan terms, balancing flexibility with loan security requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 7.5%
  • Max APR: 0%
  • Loan Duration: 12 to 120 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Manufacturing, Retail

Pros

  • Diverse financial products
  • Competitive rates

Cons

  • Longer processing time

Sources: Source

7. Capify

Capify provides flexible short-term funding and merchant cash advances tailored to small and medium UK businesses. It suits borrowers seeking fast access to funds with flexible repayment terms. The lender supports various business types without heavy security requirements, focusing on rapid approvals.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 12 months ⌛

Services & Industries

  • Finance Types: Business Loans, Merchant Cash Advances
  • Industries: Retail, Services

Pros

  • Quick approval
  • Flexible repayments

Cons

  • Higher interest rates

Sources: Source

8. White Oak UK

White Oak UK offers tailored financial products including secured loans and asset financing for UK businesses. It suits SMEs requiring loan packages customised to their operational needs, with consideration of business size and sector. Flexibility includes various finance types and terms adapted to client profiles.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Financing
  • Industries: Manufacturing, Transport

Pros

  • Customizable finance options

Cons

  • Requires strong credit profile

Sources: Source

9. Lombard Business Finance

Lombard Business Finance specialises in secured business loans and asset financing tailored to diverse UK industry sectors. It is suitable for businesses needing competitive rates and flexible loan terms with security arrangements. The provider emphasises structured financing options aligned to client business models.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 4.5%
  • Max APR: 0%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Asset Financing
  • Industries: Manufacturing, Logistics

Pros

  • Competitive rates
  • Flexible terms

Cons

  • Requires security

Sources: Source

10. Growth Street

Growth Street offers flexible credit facilities and business loans designed for UK SMEs seeking working capital solutions. Suitable for businesses requiring rapid access to capital with controlled repayment schedules. Their products support varied industries with adaptable terms based on company needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 12 months ⌛

Services & Industries

  • Finance Types: Business Loans, Credit Facilities
  • Industries: Retail, SME

Pros

  • Flexible access to capital

Cons

  • Higher qualification criteria

Sources: Source

How to choose

When selecting the best lender for a 480k secured business loan, consider your specific loan size and collateral requirements carefully. Compare APRs, loan terms, and repayment options to ensure they fit your budget and cash flow cycles. Evaluate lender flexibility on collateral and loan-to-value ratios. Speed of funding and application simplicity may be critical depending on your timeline. Also weigh eligibility, fees, and any early repayment charges before committing to a lender. Finally, ensure the lending service aligns with your franchise or business profile for the best fit.

Conclusion

Choosing the right provider depends on your business needs and loan specifics. Bank lenders suit those with strong credit and established collateral, while brokers and specialists may offer access to diverse options and flexibility. Funding Agent remains a practical choice for SMEs seeking easy comparison and quick access across multiple lending options. Evaluate options considering loan size, security, and repayment structures to match your circumstances. Always verify the latest terms and pricing before application as conditions may vary.

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FAQs

What is a secured business loan?
How can I qualify for a £480k secured business loan?
Which lenders offer the best rates for large secured business loans?
What are the typical repayment terms for a £480k secured business loan?
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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
2FleximizeFleximize is an award-winning digital lender providing flexible business loans up to £500,000 for UK SMEs, with both secured and unsecured options.£5,000–£500,000; 0%–0% APR; Unknown
3Time FinanceTime Finance provides a range of business finance solutions including secured loans, supporting UK businesses with loans from £50,000 to £500,000.£50,000–£500,000; 0%–0% APR; Up to 5 years
4NovunaNovuna offers flexible finance solutions tailored for UK businesses, providing quick access to funding with no hidden fees.£10,000–£500,000; 0%–0% APR; 1 to 7 years
5Together MoneyTogether Money specializes in secured business loans for UK businesses, offering flexible lending options secured against property or other assets.£30,000–£2,000,000; 10.04%–0% APR; Unknown
6BCR GroupBCR Group offers specialized financial solutions for UK businesses, providing secured and unsecured loans up to £500,000.£5,000–£1,000,000; 7.5%–0% APR; 12 to 120 months
7CapifyCapify provides small to medium-sized UK businesses with flexible funding solutions, offering quick access to business loans and merchant cash advances.£5,000–£500,000; 0%–0% APR; 3 to 12 months
8White Oak UKWhite Oak UK provides tailored finance solutions for UK businesses, offering a range of finance products including business loans and asset financing.£25,000–£500,000; 0%–0% APR; 12 to 84 months
9Lombard Business FinanceLombard is a leading asset financing provider in the UK, offering business loans and leasing options tailored to the needs of various industries.£25,000–£2,000,000; 4.5%–0% APR; 12 to 60 months
10Growth StreetGrowth Street offers flexible credit facilities to UK SMEs, providing working capital through business loans tailored to company needs.£5,000–£1,500,000; 0%–0% APR; 3 to 12 months
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