March 26, 2026
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Best Long-Term Business Loan Lenders for the Property Development Industry

Discover the best long-term business loan lenders for the property development industry in the UK. Find reliable financing options to grow your property projects with ease.
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Best Long-Term Business Loan Lenders for the Property Development Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Long-Term Business Loan Lenders for the Property Development Industry

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 2026-03-23.

1. Funding Agent

Funding Agent focuses on helping UK SMEs quickly compare a broad range of business finance options. It is typically suited to franchises or small to medium-sized enterprises seeking straightforward lending with fast application processes. The platform offers flexible terms, eligibility assessments, and unsecured lending options without requiring collateral.

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. Iwoca

Iwoca provides flexible funding solutions to a wide variety of SMEs, including those in property development. Their loans cater to businesses requiring adaptable borrowing with competitive interest rates. They typically offer fast approval and repayment flexibility, suitable for working capital or project funding.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 49%
  • Loan Duration: 12–24 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Flexible borrowing amounts
  • Fast approval process

Cons

  • High maximum APR

Sources: Source

3. OakNorth

OakNorth specialises in high-value business loans tailored primarily for property developers and larger enterprises. The lender focuses on bespoke lending packages often secured against property assets. Their offerings suit businesses seeking bespoke terms with considerations of loan-to-value ratios and long-term repayability.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Large loan amounts
  • Sector-specific expertise

Cons

  • Higher entry-level loan amounts

Sources: Source

4. Clifton Private Finance

Clifton Private Finance offers market-leading business financing options with a focus on property developers requiring tailored solutions. Their products are best suited to borrowers seeking structured loans with consideration for collateral and flexible terms. They provide options that balance competitive pricing with bespoke repayment plans.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £0
  • Min APR: 3.75%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Market-leading rates
  • Range of loan options

Cons

  • Less flexible small loan options

Sources: Source

5. NatWest

NatWest is a traditional bank offering business loans with flexible terms suitable for property development financing. They serve a wide range of SMEs needing variable loan sizes and repayment options. Their lending often includes credit assessments and may require security depending on the loan structure.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Broad service network
  • Versatile loan options

Cons

  • Loan terms vary widely

Sources: Source

6. Shawbrook

Shawbrook specialises in secured property development loans with varied financing structures. Their products often cater to borrowers looking for flexible repayment schedules secured by property assets. Suitable for developers needing mid-term to long-term funding with options for bespoke loan arrangements.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 12–60 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Structured loan products
  • Specialist in property finance

Cons

  • Higher APR for some loan types

Sources: Source

7. Close Brothers

Close Brothers specialises in customised financial solutions with a strong focus on asset finance for SMEs. Their offerings suit businesses seeking flexible lending secured against assets with longer repayment terms. They provide tailored options for those requiring structured finance arrangements over extended durations.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: Up to 10 years

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Flexible asset finance solutions
  • Competitive interest rates

Cons

  • Specific loan type offerings

Sources: Source

8. BLG Development Finance

BLG Development Finance provides loans and funding solutions specifically designed for residential and commercial property developers. Their focus is on flexible financing structures that accommodate differing project needs. They offer lending with consideration for repayment terms and sector-specific expertise.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–36 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Specialist property development expertise
  • Flexible financing structures

Cons

  • Higher entry loan requirements for some projects

Sources: Source

9. Brickflow

Brickflow operates as a platform that compares development finance options from multiple lenders. It is designed for SMEs seeking competitive rates and a broad view of market offerings. Their service supports informed decisions through access to various loan options with variable terms and conditions.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Wide lender access
  • Visibility of market rates

Cons

  • Dependent on lenders for rates

Sources: Source

10. Capitalise

Capitalise acts as a broker platform facilitating access to over 100 lenders for property development loans. It caters to SMEs interested in a variety of flexible loan products, enabling tailored financing solutions. Their service emphasises lender network breadth and flexibility in repayment options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Business Loans
  • Industries: Property Development

Pros

  • Extensive lender network
  • Tailored loan solutions

Cons

  • Requires lender network for optimal rates

Sources: Source

How to choose

When selecting the best long-term business loan lenders for the property development industry, consider your required loan size and interest rate as core factors. Check the eligibility criteria carefully to ensure a good fit with your business profile. Balance the need for speed in funding against the flexibility of loan terms. Review repayment options, including the type of security or collateral required and loan-to-value limits. It is also important to evaluate lender fees, early repayment terms, and whether brokered access or direct lending better suits your objectives.

Conclusion

Choosing the right lender depends on your specific property development needs. Bank providers often offer structured loans with wider support but may have stricter criteria. Brokers and specialist lenders can offer more flexible or tailored solutions, particularly for complex or large-scale projects. Funding Agent is a good starting point for those seeking fast comparisons across multiple lenders. For loans around 200 thousand pounds or more, matching the provider’s capabilities to your project size and security requirements is essential. Always verify current terms with each lender before proceeding.

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FAQs

What are long-term business loans for property development?
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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
2IwocaOffers flexible funding solutions to SMEs across various sectors, including property development, with competitive rates.£1,000–£1,000,000; 18%–49% APR; 12–24 months
3OakNorthSpecializes in providing business loans over £1 million, with bespoke solutions for the property development sector.£1,000,000–£0; 0%–0% APR; Unknown
4Clifton Private FinanceProvides access to market-leading business financing with tailored options for property developers.£50,000–£0; 3.75%–0% APR; Unknown
5NatWestOffers business loans with flexible terms and necessary support for property development financing.£1,000–£500,000; 8%–15% APR; Variable
6ShawbrookKnown for providing secure property development loans with multiple financing structures.£0–£0; 14.1%–0% APR; 12–60 months
7Close BrothersProvides customized financial solutions to SMEs with a focus on asset finance.£0–£0; 6%–0% APR; Up to 10 years
8BLG Development FinanceOffers loans and funding solutions specifically tailored for residential and commercial property developers.£50,000–£10,000,000; 0%–0% APR; 12–36 months
9BrickflowA finance platform that compares development finance options from multiple lenders to find the most competitive rates.£0–£0; 0%–0% APR; Variable
10CapitaliseFacilitates access to a range of property development loans from over 100 lenders with flexible terms.£0–£0; 0%–0% APR; Flexible