Best Long-Term Business Loan Lenders for the Storage and Warehousing 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.
Funding Agent focuses on helping UK SMEs quickly compare a range of business finance options through a streamlined application process. This provider is suitable for SMEs seeking straightforward terms without collateral and values speed and simplicity. Funding Agent offers flexible repayment options and quick eligibility matching through its platform.
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
Reality Finance provides asset finance solutions aimed at UK SMEs requiring fast decision-making and customised loan terms. It is best suited for businesses in sectors like IT software, hospitality, and manufacturing seeking flexible but focused finance options. Reality Finance emphasises speed and tailored lending, often involving brokered access to lenders specializing in asset-based finance.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 15%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset finance
- Industries: IT software, Hospitality, Manufacturing
Pros
- Flexible solutions
- Fast approval
White Oak offers a range of business financing options including term loans and asset-based lending suitable for various industries. It is ideal for UK SMEs looking for flexible loan structures with options for secured and unsecured lending. White Oak balances competitive rates with options for early repayment and varying loan durations.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 7.5%
- Max APR: 18.9%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Term loans, Asset-based lending
- Industries: General business, Export, Tax finance
Pros
- No early repayment fees
- Wide loan range
Cons
- Higher APR on unsecured loans
Clifton Private Finance focuses on commercial and bridging finance for UK and international clients including UK expats. It is best suited for borrowers who require specialist lending advice and flexible terms for property or complex finance needs. Clifton Private Finance offers tailored solutions with an emphasis on security and brokered access where needed.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial finance, Bridging loans
- Industries: UK expats, Real estate, Corporate
Pros
- Specialist advice
- Flexible terms
Time Finance provides a range of flexible funding including asset finance and business loans tailored to growing UK businesses and SMEs. It is suitable for borrowers seeking secured loan products with varied repayment schedules. Time Finance emphasises quick funding availability with access to diverse financing options across industries.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 11.5%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Secured loans, Invoice finance
- Industries: All sectors, Growing SMEs
Pros
- Quick funding
- Diverse products
Cons
- Higher APR for some products
Union Business Finance specialises in providing secured and unsecured loans to UK businesses across various industries. It suits borrowers looking for competitive rates and extended loan durations up to ten years. Union Business Finance offers relatively flexible lending with varying loan-to-value bands and repayment solutions.
Loan Details
- Min Amount: £10,000
- Max Amount: £5,000,000
- Min APR: 7%
- Max APR: 0%
- Loan Duration: Up to 120 months ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: General commerce
Pros
- Wide funding range
- Quick decisions
Lloyds Bank offers traditional bank loans for SMEs and larger companies with a focus on fixed-rate and secured lending options. It is suitable for borrowers looking for well-established banking services with comprehensive support and collateral requirements. Lloyds Bank provides flexible loan durations backed by its broad product suite within UK banking regulations.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 5.7%
- Max APR: 11.2%
- Loan Duration: 12-120 months ⌛
Services & Industries
- Finance Types: Fixed-rate loans, Secured loans
- Industries: Corporate, Manufacturing, Infrastructure
Pros
- Strong brand trust
- Comprehensive banking services
Gable Asset Finance specialises in secured and unsecured lending tailored for specific UK industries such as manufacturing and haulage. It fits borrowers needing asset-based loans with flexible terms and varying repayment options. Gable Asset Finance focuses on niche sectors, providing loans with an emphasis on asset security and customised terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3-60 months ⌛
Services & Industries
- Finance Types: Asset finance, Unsecured loans
- Industries: Manufacturing, Construction, Haulage
Pros
- Specialises in asset finance
- Flexible terms
Cons
- Higher risk loans may have higher rates
Origin Finance delivers tailored commercial loan and asset finance solutions to UK businesses with an emphasis on simplicity and competitive rates. It is suited for SMEs requiring access to straightforward finance options with flexible repayment structures. Origin Finance focuses on expediting the funding process while adapting to business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 5.99%
- Max APR: 0%
- Loan Duration: Up to 7 years ⌛
Services & Industries
- Finance Types: Commercial loans, Asset finance
- Industries: Manufacturing, Small businesses
Pros
- Competitive rates
- Simple application
Novuna Business Finance offers commercial loans focused on helping UK SMEs manage cash flow and business growth. This lender is appropriate for businesses seeking flexibility in repayment options within a broad market segment. Novuna provides options suited to managing working capital without specifying exact APR or term details.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial loans
- Industries: General business
Pros
- Flexible repayment options
How to choose
When selecting long-term business loans for the storage and warehousing industry, assess loan amounts against your equipment and property needs. Consider the APR and repayment terms to match your cash flow cycles, especially where seasonality impacts revenue. Evaluate eligibility criteria carefully to ensure fit with your business size and credit profile. Factor in the speed of approval and flexibility in security requirements, as warehouse assets may influence loan availability. Also, decide whether a traditional bank, specialist lender, or brokered finance option suits your priorities for terms and collateral.
Conclusion
Choosing the right lender depends on the specific needs of your business. Banks like Lloyds provide trusted, regulated loans suitable for borrowers with collateral and established credit. Brokers and brokers like Funding Agent offer fast comparisons and access to multiple options, helpful for smaller or newer businesses. Specialist lenders often deal with niche or asset-based loans that may better suit unique industry requirements. The Funding Agent platform is a practical starting point for those seeking a 200 thousand pounds loan to explore various market offerings efficiently.