January 23, 2026
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Best Lenders to secure a 50k Secured Business Loan

Best Lenders to secure a 50k Secured Business Loan

Discover the best lenders offering secured business loans of £50,000. Compare rates, terms and find the right loan to grow your business with ease.
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 50k 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 focuses on providing quick comparison solutions across various types of business finance. It is suitable for UK SMEs seeking straightforward eligibility checks and access to multiple providers. Their platform offers a streamlined application process, focusing on unsecured options without requiring collateral, with flexible repayment terms.

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. Money.co.uk

Money.co.uk offers a comparison platform covering both secured and unsecured business loans from various UK lenders. It is suitable for businesses exploring a wide range of funding options, including loans secured on assets. The service provides access to diverse offers with varying terms and speeds, generally brokered to multiple lending partners.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 7%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Comprehensive loan comparison
  • Wide range of options

Cons

  • May involve third-party offers

Sources: Source

3. Time Finance

Time Finance specialises in secured business lending designed to support growth and expansion needs. It suits businesses seeking asset-backed finance with flexible terms. The provider typically offers tailored repayment options, aiming for a balance between speed and customised solutions.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 1.5%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured loans, Asset finance
  • Industries: Various

Pros

  • Tailored finance solutions
  • Flexible terms

Cons

  • Limited online information

Sources: Source

4. Fleximize

Fleximize provides flexible business loans with monthly interest rates and a range of term options. It is suited to SMEs needing adaptable finance without traditional collateral requirements. The company offers rapid decision-making and loyalty benefits for returning customers.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 28.8%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Loyalty benefits for repeat customers
  • Rapid decision-making

Cons

  • Monthly interest calculation

Sources: Source

5. Lloyds Bank

Lloyds Bank provides fixed-rate business loans suitable for growth and longer-term financing needs. It is ideal for businesses preferring established banking relationships with predictable repayments. Their products typically have less rate variation but offer security through trusted banking services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Established bank with strong reputation

Cons

  • Limited to fixed rate offerings

Sources: Source

6. Clifton Private Finance

Clifton Private Finance focuses on high-value secured loans, mainly for property and specialist sectors like real estate and hospitality. It suits borrowers seeking tailored advice and bespoke financing options with emphasis on security. Their services often involve brokered deals with flexible structuring relevant to complex finance needs.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 6.87%
  • Max APR: 15.04%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Real Estate, Hospitality

Pros

  • Tailored financial advice
  • High-value loans

Cons

  • Primarily caters to high-value deals

Sources: Source

7. Merchant Savvy

Merchant Savvy provides access to a range of secured and unsecured finance options with competitive rates. It is suitable for SMEs wanting flexibility in loan amounts and durations. The platform emphasises brokered lending solutions and helpful online resources for loan selection.

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 6%
  • Max APR: 10%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Wide range of finance options
  • Good online resources

Cons

  • Loan amounts may be limited

Sources: Source

8. Portman Finance Group

Portman Finance Group offers diverse secured finance options including asset and equipment finance. It is suited to SMEs seeking large borrowing amounts and flexible structures without personal guarantees. Their approach targets varied sectors with an emphasis on brokered access to multiple lenders.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Secured loans, Asset finance, Equipment finance
  • Industries: Various

Pros

  • No personal guarantee options
  • Large borrowing amounts

Cons

  • APR can vary widely

Sources: Source

9. Funding Options

Funding Options specialises in matching SMEs with a variety of business funding, including loans and commercial mortgages. It suits businesses looking for quick applications and diverse funding types secured by assets or unsecured. The platform generally acts as a broker offering multiple financing possibilities.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans, Commercial mortgages
  • Industries: Various

Pros

  • Quick process
  • Diverse funding solutions

Cons

  • Variable rates

Sources: Source

10. Simply Business

Simply Business offers an online comparison service covering a range of small business loan options. It suits small businesses seeking to explore multiple lenders with varying terms. This service is for research and guidance rather than direct lending, facilitating informed choices.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 11.8%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Various

Pros

  • Comparison service
  • Variety of lenders

Cons

  • Does not provide direct loans

Sources: Source

How to choose

When seeking the best lenders to secure a 50k secured business loan, it is important to consider several factors. Match the loan size and APR to your financial capacity and repayment plans. Evaluate eligibility criteria and whether you prefer speed or flexibility in loan approval. Consider collateral requirements and how they affect loan costs and terms. Review repayment structures and ensure they align with your cash flow and business seasonality. Lastly, understand lender fees and early repayment policies before making a decision.

Conclusion

Choosing the right provider depends on the specific financing needs of your business. Banks typically offer stability and fixed rates suitable for predictable budgets. Brokers provide access to a broad range of lenders and specialised products. Specialist lenders cater to niche markets or complex financing needs. Funding Agent remains a useful resource for quickly comparing multiple options. Always confirm the latest terms directly with your chosen provider for a loan close to 50 thousand pounds.

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FAQs

What is a secured business loan?
How can I qualify for a £50k secured business loan?
Which lenders offer the best secured business loans in the UK?
What are the typical interest rates for a £50k secured business loan?
How long does it take to get approved for a 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
2Money.co.ukMoney.co.uk offers a platform to compare secured business loans with interest rates and terms from leading UK lenders.£500–£15,000,000; 7%–0% APR; Unknown
3Time FinanceTime Finance provides flexible secured business loans designed to support the growth and expansion of UK businesses.£50,000–£500,000; 1.5%–0% APR; Unknown
4FleximizeFleximize specializes in providing flexible business loans with interest rates beginning at 0.9% per month.£10,000–£500,000; 10.8%–28.8% APR; 3–60 months
5Lloyds BankLloyds Bank offers flexible business loans for growth and sustainability with a fixed rate of 11.2% APR on loans up to £50,000.£1,000–£50,000; 11.2%–11.2% APR; Unknown
6Clifton Private FinanceClifton Private Finance offers specialized business loans starting from £50,000, focusing on high-value finance brokering.£50,000–£500,000; 6.87%–15.04% APR; Unknown
7Merchant SavvyMerchant Savvy helps UK businesses find the best financial solutions for both secured and unsecured loans with competitive rates.£500–£25,000; 6%–10% APR; 12–60 months
8Portman Finance GroupPortman Finance Group provides a variety of finance solutions with APRs starting at 6.9%, suited for SMEs across different sectors.£10,000–£2,000,000; 6.9%–0% APR; 3–72 months
9Funding OptionsFunding Options helps SMEs find the right funding choices, from business loans to commercial mortgages, with quick applications.£1,000–£1,000,000; 6%–15% APR; 12–60 months
10Simply BusinessSimply Business provides a comparison of various business loans, offering guidance and options suitable for small businesses.£10,000–£750,000; 6.9%–11.8% APR; 6–72 months
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