January 23, 2026
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Best Lenders to secure a 70k Secured Business Loan

Best Lenders to secure a 70k Secured Business Loan

Discover the best lenders offering secured business loans up to £70,000 in the UK. Compare rates, terms, and find the perfect fit for your business financing needs.
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 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.

1. Funding Agent

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

Sources: Funding Agent

2. Barclays

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

Sources: Source

3. Portman Finance Group

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

Sources: Source

4. NatWest

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

Sources: Source

5. Fleximize

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

Sources: Source

6. Time Finance

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

Sources: Source

7. Century Business Finance

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

Sources: Source

8. Merchant Savvy

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

Sources: Source

9. LoveFinance

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

Cons

  • Potentially high rates

Sources: Source

10. HSBC

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

Cons

  • Stringent criteria

Sources: Source

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.

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FAQs

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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
2BarclaysBarclays is a British multinational bank that offers a variety of business loans designed to meet the diverse needs of UK businesses.£1,000–£100,000; 0%–0% APR; 1-7 years
3Portman Finance GroupPortman Finance Group specializes in providing secured and unsecured business loans for SMEs with flexible terms and fast approval times.£10,000–£2,000,000; 6.9%–0% APR; 3 months to 6 years
4NatWestNatWest offers a selection of business loans for UK SMEs, known for their competitive rates and flexible repayment options.£1,000–£250,000; 11.6%–13% APR; 1–7 years
5FleximizeFleximize is a multi-award-winning company providing SME loans to a wide array of industries with a focus on flexible lending products.£10,000–£500,000; 0%–0% APR; Varies
6Time FinanceTime Finance offers tailored finance solutions to support the growth of UK businesses, with competitive terms and rapid access to funds.£0–£0; 0%–0% APR; Unknown
7Century Business FinanceCentury Business Finance connects SMEs with a panel of lenders, offering a variety of loan products tailored to business needs.£25,000–£5,000,000; 0%–0% APR; Varies
8Merchant SavvyMerchant Savvy provides comprehensive business finance solutions including loans tailored to SMEs looking to grow and expand their operations.£0–£0; 0%–0% APR; 6-24 months
9LoveFinanceLoveFinance specializes in swift, flexible business loans with the goal of improving cash flow for UK SMEs.£0–£500,000; 6.9%–0% APR; Varies
10HSBCHSBC is a major global bank providing diverse financial solutions, including business loans to assist UK SMEs across various sectors.£0–£0; 0%–0% APR; 12 months to 20 years