Best Lenders to Secure a 50k to 100k 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.
Funding Agent focuses on providing fast, brokered access to a range of unsecured business loans tailored for UK SMEs. It is typically suited for businesses seeking quick eligibility checks and simple application processes. The platform offers flexible loan options with varying terms and collateral requirements, supporting efficient decision-making.
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
Portman Finance Group specialises in secured business loans aimed at diverse UK industries. It is commonly suited for borrowers needing asset-backed finance with competitive rates and flexible terms. The provider emphasizes swift approvals and varying collateral arrangements to support business growth.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 30%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Various
Pros
- Quick approval
- No PG options available
Cons
- Higher rates for some sectors
365 Finance offers revenue-based finance products without fixed APRs or durations, focusing on repayment flexibility. It is generally suitable for companies seeking adaptable funding solutions without traditional loan terms. The provider’s offering does not require collateral, supporting a range of business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Revenue-Based Finance
- Industries: Various
Pros
- No APR
- Flexible repayments
Cons
- Limited to revenue-based finance
Fleximize provides flexible unsecured and secured loan options with monthly rates for small businesses. It is suitable for SMEs needing adaptable financing with a focus on speed and payment flexibility. Available terms support a wide range of business projects and repayment preferences.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 0.9%
- Max APR: 0%
- Loan Duration: 1-48 months ⌛
Services & Industries
- Finance Types: Unsecured Loans, Secured Loans
- Industries: Various
Pros
- Fast approvals
- Loyalty discounts
Cons
- Requires personal guarantees
HSBC offers secured and unsecured business loans suitable for a range of UK enterprises. It is generally appropriate for businesses seeking stable lending from a major bank, with competitive rates and traditional underwriting. Loans come with varied repayment options and terms supporting diverse funding needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 5.7%
- Max APR: 18.9%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Global bank with robust services
- Competitive APR
Cons
- Stricter eligibility criteria
Lloyds Bank provides business loans focused on sustainable growth with fixed interest rates. It is typically suitable for UK businesses seeking stable finance with clear terms and longer repayment periods. Loans may require collateral with structured repayment options to support ongoing expansion.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 11.2%
- Loan Duration: 6 months to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Fixed rates
- Sustainable growth options
Barclays delivers a broad range of secured and unsecured loan products for SMEs across the UK. It suits borrowers who value extensive banking options and flexible repayment terms. The provider offers various financing solutions designed to match different business purposes and credit profiles.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 10 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Comprehensive services
- Flexible financing options
Swoop Funding specialises in secured loans with a broad range of amounts and competitive rates. It is suitable for businesses needing asset-backed finance with flexible terms tailored to various industries. Security requirements and repayment options vary by loan, catering to diverse borrower profiles.
Loan Details
- Min Amount: £25,000
- Max Amount: £5,000,000
- Min APR: 3.9%
- Max APR: 12%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Secured Loans
- Industries: Various
Pros
- Wide loan amounts
- Competitive rates
MAF Finance Group provides a range of secured and unsecured business loans tailored to professional and growing businesses. It is typically appropriate for borrowers seeking diverse lending products with flexible terms. Loan conditions may include collateral requirements, adapting to different industry needs and growth stages.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Professional lending solutions
- Variety of loan products
Cons
- Higher amounts may require collateral
Expertsure is a marketplace lending comparison platform that connects SMEs with various lenders. It is generally suited for borrowers seeking tailored loan options across multiple finance types. The platform provides access to different repayment methods and eligibility sets, supporting informed borrowing decisions.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by lender ⌛
Services & Industries
- Finance Types: Marketplace Lending
- Industries: Various
Pros
- Comprehensive comparison
- Access to multiple lenders
How to choose
When selecting a lender for a 50k to 100k secured business loan, consider your business’s credit profile and the level of security you can offer. Assess how the loan size and APR fit within your budget and cash flow, especially if your business has seasonal fluctuations. Speed of approval and funding may be critical for urgent needs, but flexibility in repayment and collateral can affect long-term planning. Check lender eligibility criteria carefully and consider whether specialist, brokered, or traditional bank loans best suit your industry and growth stage. Review any fees, early repayment options, and terms thoroughly before committing.
Conclusion
Selecting the right lender depends on your business type and financing needs. Banks often offer stability and suitable terms for established businesses, while brokers like Funding Agent can provide faster comparisons across multiple options. Specialist lenders may cater to niche requirements or higher loan amounts. Always align loan type, collateral, and repayment flexibility with your financial goals when applying for a secured business loan in the 50 thousand to 100 thousand pounds range.
