March 26, 2026
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Best Long-Term Business Loan Lenders for the Real Estate Industry

Discover the best long-term business loan lenders tailored for the UK real estate industry. Find reliable funding options to grow your property business with ease.
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Best Long-Term Business Loan Lenders for the Real Estate Industry
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Long-Term Business Loan Lenders for the Real Estate 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 acts as a broker to help UK SMEs access various business finance options quickly. It suits borrowers seeking simple eligibility checks and a fast application process. The platform offers flexible loan terms with no collateral required, helping businesses compare lenders efficiently.

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. NatWest

NatWest focuses on commercial and residential property finance for businesses and investors. It is typically suitable for franchise buyers or property owners looking for fixed or variable rate loans. NatWest offers a blend of speed and flexible repayment options with a focus on secured lending.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 13%
  • Loan Duration: 1-7 years ⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: Real Estate

Pros

  • Quick access to funds
  • Flexible loan options

Cons

  • Higher interest rates

Sources: Source

3. Barclays

Barclays offers both secured and unsecured loans designed for landlords and property investors. It suits borrowers interested in flexible terms and established banking relationships. Barclays balances comprehensive support with competitive APRs and various repayment structures.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Real Estate

Pros

  • Established reputation
  • Comprehensive guidance

Cons

  • Potentially higher APR

Sources: Source

4. Tide

Tide provides business loans and credit lines geared to a wide range of loan sizes. It is suitable for businesses requiring quick approvals and flexible terms. Tide's loan products often allow for scalable borrowing with options for varying repayment schedules.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 5.7%
  • Max APR: 12.9%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Business Loans, Credit Lines
  • Industries: Real Estate

Pros

  • Large loan amounts
  • Quick application process

Cons

  • Variable interest rates

Sources: Source

5. OakNorth

OakNorth concentrates on secured lending for property development projects, focusing on both commercial and residential sectors. It suits businesses seeking high loan amounts within structured financing arrangements. OakNorth offers tailored loans with an emphasis on development planning and security.

Loan Details

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

Services & Industries

  • Finance Types: Development Loans, Secured Loans
  • Industries: Real Estate

Pros

  • High loan limits
  • Sector specialization

Cons

  • Higher minimum loan amounts

Sources: Source

6. Shawbrook

Shawbrook specialises in unsecured development finance for real estate projects. It suits businesses looking for tailored funding options with fixed repayment terms. Shawbrook’s offerings focus on high-growth opportunities where flexible lending solutions are needed.

Loan Details

  • Min Amount: £0
  • Max Amount: £250,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 3 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Real Estate

Pros

  • Tailored solutions
  • Experienced team

Cons

  • High APR

Sources: Source

7. Aviva Investors

Aviva Investors is a provider of long-term debt finance for real estate projects, offering both fixed and floating-rate lending. It is suitable for clients needing sophisticated financing structures. Their lending typically involves a range of credit options tailored to project duration and risk profiles.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Equity Release, Debt Finance
  • Industries: Real Estate

Pros

  • Diverse lending options
  • Strong industry presence

Cons

  • Complex application process

Sources: Source

8. Close Brothers

Close Brothers offers bridging, investment, and development finance solutions with flexibility in loan terms. It is suited to property investors and developers needing adaptable borrowing structures. The lender supports a range of repayments and collateral arrangements.

Loan Details

  • Min Amount: £0
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 10%
  • Loan Duration: 6-120 months ⌛

Services & Industries

  • Finance Types: Bridging Loans, Investment Loans
  • Industries: Real Estate

Pros

  • Variety of loan types
  • Flexible terms

Cons

  • Specific loan conditions

Sources: Source

9. Investec

Investec provides customised financing solutions often aimed at higher borrowing property investors. It suits clients needing bespoke lending structures with specialised banking services. Investec typically offers various repayment and security options tailored to sophisticated real estate investments.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 8.9%
  • Loan Duration: 12-60 months ⌛

Services & Industries

  • Finance Types: Private Banking, Investment Banking
  • Industries: Real Estate

Pros

  • Customizable solutions
  • Competitive rates

Cons

  • Minimum loan caps

Sources: Source

10. LendInvest

LendInvest supports property professionals through development and investment finance. It is tailored for borrowers seeking access to larger loan amounts with flexible repayment options. LendInvest provides solutions designed to accommodate varying project needs and loan sizes.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Development Finance, Investment Loans
  • Industries: Real Estate

Pros

  • Strong focus on property finance
  • Access to large loan amounts

Cons

  • Higher entry-level for loans

Sources: Source

How to choose

When selecting a long-term business loan lender for real estate, consider your loan size and your project's specific needs. Evaluate APRs in line with your budget, and check eligibility criteria carefully. Balance the speed of funding with the flexibility of terms offered. Understand the types of security or collateral required and consider how repayments will fit seasonal or irregular cash flow. Engage with lenders or brokers who specialise in your industry segment to get tailored advice and offer ranges that suit your business model.

Conclusion

Choosing the right provider depends on your particular business and project requirements. Banks often suit borrowers needing structured terms and established lending relationships. Brokers like Funding Agent can speed comparisons for a 200 thousand pounds loan across multiple lenders, streamlining access. Specialists and investment lenders cater to complex or high-value real estate financing needs. Always verify current offers and terms before committing.

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FAQs

What is a long-term business loan?
Why do real estate businesses need long-term loans?
Who are the best lenders for real estate business loans in the UK?
What factors do lenders consider for long-term business loans?
How can I improve my chances of getting a loan for my real estate business?
Are interest rates higher for real estate business loans?

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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
2NatWestNatWest offers finance for both commercial and residential property investments, supporting real estate projects with competitive loan schemes.£1,000–£500,000; 8%–13% APR; 1-7 years
3BarclaysBarclays provides real estate finance solutions with flexible borrowing options for landlords and property owners across the UK.£1,000–£100,000; 11.2%–14.9% APR; 1-10 years
4TideTide offers property finance solutions that cater to the needs of businesses with borrowing options ranging from small to large loan sizes.£1,000–£20,000,000; 5.7%–12.9% APR; 1-10 years
5OakNorthOakNorth specializes in flexible property development finance, providing significant funding for both residential and commercial projects.£1,000,000–£0; 0%–0% APR; Unknown
6ShawbrookShawbrook offers tailored development finance solutions for high growth and development projects in the real estate industry.£0–£250,000; 14.1%–14.1% APR; 3 years
7Aviva InvestorsAviva Investors provides extensive lending capabilities tailored towards long-term real estate projects, involving both fixed and floating-rate options.£0–£0; 0%–0% APR; Unknown
8Close BrothersClose Brothers offers property finance including development, investment, and bridging loans, with flexible borrowing options.£0–£1,000,000; 0%–10% APR; 6-120 months
9InvestecInvestec offers bespoke financing solutions, adapting to the needs of clients involved in high-borrowing property investments.£1,000–£500,000; 6.9%–8.9% APR; 12-60 months
10LendInvestLendInvest supports property professionals with flexible finance for real estate development and investment ventures, offering a range of financial solutions.£1,000,000–£5,000,000; 0%–0% APR; Unknown
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