Best Lenders to secure a 80k 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 connecting UK SMEs with various business finance options through a straightforward application process. It is typically suitable for SMEs looking for quick eligibility checks and fast access to loan comparisons. Their service emphasises speed and simplicity, with options that often require no collateral and flexible repayment choices.
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
Century Business Finance specialises in secured and unsecured SME loans, serving businesses across various sectors. It is suited to those needing larger loan amounts with flexible terms. Their offerings typically include brokered access to funding with attention to speed and varied lending solutions.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: SMEs
Pros
- Fast application process
- High loan amounts
Portman Finance Group delivers asset finance and business loans to UK SMEs with options for flexibility in terms and repayments. It is often appropriate for businesses seeking tailored lending including unsecured options. Their services balance competitive rates with lending security considerations.
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: Asset finance, Business loans
- Industries: Various industries including SMEs
Pros
- Flexible terms
- No PG options
Cons
- Higher APR for unsecured options
Funding Options operates an online marketplace that connects UK SMEs with multiple lenders offering secured, unsecured, and invoice financing. It is suitable for businesses needing brokered access with flexible funding types. The platform focuses on quick lender matchmaking and variety of financial solutions.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans, Invoice financing
- Industries: Various
Pros
- Variety of funding options
- Quick matchmaking with lenders
Cons
- Depends on lender approval
Fleximize provides alternative finance solutions with flexible repayment business loans targeting UK SMEs. It suits businesses seeking adaptable terms and faster decisions for a variety of funding needs. The offering includes secured and unsecured products with emphasis on service quality.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 9%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various
Pros
- Flexible repayment options
- Award-winning service
Funding Circle is a prominent lender offering term loans to UK SMEs with fixed competitive rates. It is suitable for businesses prioritising straightforward borrowing with clear terms and no early repayment fees. The platform offers direct online applications and supports various industries.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 15%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Term loans
- Industries: SMEs
Pros
- No early repayment fees
- Simple online application
Barclays UK delivers traditional bank business loans with both secured and unsecured options, suitable for SMEs across multiple sectors. It is appropriate for borrowers who need structured payment plans and varying loan durations. Barclays offers flexibility in rates and loan sizes backed by their extensive banking services.
Loan Details
- Min Amount: £1,000
- Max Amount: £2,000,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1–10 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various sectors including agriculture and technology
Pros
- Fixed or variable rates
- No early repayment penalties
Cons
- Higher minimum loan amount for favorable APR
MoneySupermarket functions as a comprehensive price comparison site without providing direct loans. It suits SMEs and borrowers who want to explore multiple lenders in one place. The platform offers a user-friendly interface to find competitive business loan rates.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Comparison service
- Industries: Various
Pros
- Wide range of lenders
- User-friendly platform
Cons
- Does not provide direct loans
Money.co.uk is a loan comparison service directing SMEs to varied business loan offers. It is useful for businesses seeking to review multiple financing options in one platform. The service covers various industries and loan types without providing direct funding.
Loan Details
- Min Amount: £500
- Max Amount: £15,000,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Varies ⌛
Services & Industries
- Finance Types: Loan comparison service
- Industries: Various industries
Pros
- Comprehensive comparison
- Detailed industry information
HSBC UK offers a range of business and green loans, serving diverse UK SMEs with varying term lengths. It suits borrowers looking for bank-backed loans with competitive rates and broad sector coverage. HSBC focuses on flexibility and established lending protocols.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 5.7%
- Max APR: 18.9%
- Loan Duration: 1–7 years ⌛
Services & Industries
- Finance Types: Business loans, Green loans
- Industries: Multiple sectors including manufacturing and services
Pros
- Global bank with wide range
- Competitive APR
Cons
- Higher APR for smaller loans
How to choose
To select the best lender for securing an 80 thousand pounds secured business loan, first consider lender types: direct banks, brokers, or specialist providers. Match loan amount, APR, and repayment flexibility to your financial situation. Assess eligibility criteria carefully, especially collateral and loan-to-value expectations for secured loans. Factor in application speed, underwriting time, and lender reputation. Finally, review fees and early repayment policies to ensure they align with your cash flow and seasonal business needs.
Conclusion
Choosing the right provider depends on your loan purpose and business profile. Traditional banks are suitable for borrowers seeking formal, structured loans with established reputations. Brokers and marketplaces offer access to a wider range of options and faster comparisons. Specialists focus on niche financing needs or alternative lending solutions. Funding Agent remains a useful tool for SMEs wanting to quickly compare multiple finance options. Always confirm current terms and costs directly with lenders before committing.
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