Best Lenders to secure a 70k 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 helping UK SMEs quickly compare multiple unsecured business finance options through a streamlined application process. It is suitable for franchises and small businesses looking for straightforward lending choices without collateral. The platform offers fast eligibility checks and a range of loan products with flexible eligibility criteria.
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
Barclays provides a range of traditional bank business loans, including commercial mortgages and cashflow finance. It suits franchise operators and SMEs looking for established banking relationships and predictable terms. Barclays offers quick funding but often requires an existing business account, with options for secured and unsecured lending.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1-7 years ⌛
Services & Industries
- Finance Types: Business Loans, Commercial Mortgages, Cashflow Finance
- Industries: General Business
Pros
- Wide range of loan products
- Quick funding
Cons
- Requires a business account with another bank
Portman Finance Group specialises in secured and unsecured loans for SMEs, suited to those needing flexible terms and fast approvals. This provider is appropriate for franchise buyers who may require asset-backed finance or various loan structures. Portman offers competitive options but may include varied APRs depending on risk assessment.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: SME, Various sectors
Pros
- Fast approval
- Variety of finance products
Cons
- Potential for high rates depending on risk
NatWest offers business loans aimed at SMEs, often with fixed and flexible repayment options. It suits franchise buyers and small businesses seeking competitive rates backed by an established banking institution. NatWest lending typically involves credit checks and can accommodate various loan purposes including working capital.
Loan Details
- Min Amount: £1,000
- Max Amount: £250,000
- Min APR: 11.6%
- Max APR: 13%
- Loan Duration: 1–7 years ⌛
Services & Industries
- Finance Types: Business Loans, Commercial Banking
- Industries: Legal, Real Estate, Business Services
Pros
- Flexible repayment options
- Established banking institution
Cons
- Relatively high APR range
Fleximize provides flexible SME loans across various industries, focusing on tailored lending solutions that do not always require collateral. It is suitable for franchises needing adaptable finance with varied repayment and loan duration options. Fleximize offers multiple product types designed to meet different business needs with reasonable speed.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Retail, Services
Pros
- Flexible lending solutions
- Industry-specific loans
Cons
- APR not always transparent
Time Finance delivers customised financing for UK businesses, focusing on asset finance and commercial funding solutions. It is potentially suited to franchises seeking tailored lending with a flexible approach but limited public details on rates and terms. The provider emphasises rapid fund access with varying loan structures.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Finance, Asset Finance
- Industries: General Business
Pros
- Tailored solutions
- Fast funding
Cons
- Limited information on APR
Century Business Finance operates as a brokerage connecting SMEs to a panel of lenders offering secured and unsecured loans. It is suitable for franchise operators requiring access to a variety of finance options facilitated by broker relationships. The service emphasises tailored lending with flexible loan terms and amounts.
Loan Details
- Min Amount: £25,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Unsecured Loans, Secured Loans
- Industries: SME, Various
Pros
- Diverse loan products
- Same-day approval
Cons
- Broker, not a direct lender
Merchant Savvy provides access to a broad range of business financing options including cash flow loans and merchant cash advances. It is aimed at SMEs and franchises seeking funding to support growth and expansion. The platform offers versatile products but the application process may take longer.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6-24 months ⌛
Services & Industries
- Finance Types: Cash Flow Finance, Merchant Cash Advances
- Industries: Various
Pros
- Versatile finance products
- Focus on SME growth
Cons
- Application process can be lengthy
LoveFinance offers fast, flexible unsecured business loans primarily aimed at improving cash flow for UK SMEs. It is appropriate for franchise owners needing quick access to finance with adaptable repayment terms. Their loan products emphasise speed and flexibility but may include varying rates.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Unsecured Loans, Business Loans
- Industries: General Business
Pros
- Quick funding
- Flexible terms
HSBC is a global bank providing a broad array of business loans including commercial real estate finance. It is suited to franchises and SMEs needing secured lending with options for longer terms. HSBC offers diverse loan products but may have stringent criteria and requirements tied to global banking standards.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 months to 20 years ⌛
Services & Industries
- Finance Types: Business Loans, Commercial Real Estate Finance
- Industries: Real Estate, Manufacturing, Industrials
Pros
- Global bank strength
- Diverse loan options
How to choose
When selecting the best lender to secure a 70k secured business loan, focus on the loan size and applicable APR within your budget. Evaluate each provider's eligibility criteria carefully to ensure you qualify. Consider how quickly you need funds versus the flexibility in repayment options and terms. Moreover, review the security or collateral requirements and how they align with your assets. Comparing fees, early repayment options, and lender reputations will help ensure you choose a suitable match for your franchise’s cash flow and seasonal fluctuations.
Conclusion
Choosing the right lender depends on your specific loan needs and business circumstances. Banks typically offer reliable products for established businesses, while brokers like Century Business Finance access a range of lenders for tailored options. Specialists and fintech firms provide quicker access and flexible terms but may come with varied criteria. Funding Agent remains a useful starting point for SMEs wanting to compare multiple options efficiently. Always verify current costs and conditions directly with your chosen provider when planning a 70 thousand pounds loan.