March 26, 2026
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Best Long-Term Business Loan Lenders for the Storage and Warehousing Industry

Discover the best long-term business loan lenders for the storage and warehousing industry in the UK. Learn how to secure funding that suits your business needs.
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Best Long-Term Business Loan Lenders for the Storage and Warehousing 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 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.

1. Funding Agent

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

Sources: Funding Agent

2. Reality Finance

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

Cons

  • Limited to asset finance

Sources: Source

3. White Oak

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

Sources: Source

4. Clifton Private Finance

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

Cons

  • High entry-level amount

Sources: Source

5. Time Finance

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

Sources: Source

6. Union Business Finance

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

Cons

  • Potential high interest

Sources: Source

7. Lloyds Bank

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

Cons

  • May require collateral

Sources: Source

8. Gable Asset Finance

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

Sources: Source

9. Origin Finance

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

Cons

  • Limited to SMEs

Sources: Source

10. Novuna Business Finance

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

Cons

  • Unknown APR details

Sources: Source

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.

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FAQs

What types of long-term loans are available for storage and warehousing businesses?
How can I qualify for a long-term business loan in the warehousing industry?
What factors should I consider when choosing a loan lender?
How long does it usually take to get approved for a long-term business loan?
Can I use a long-term loan to expand my storage or warehousing facility?
Are there any government-backed loan options for the warehousing sector?

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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
2Reality FinanceReality Finance offers flexible funding solutions with fast decisions and tailored terms for UK businesses.£0–£0; 6%–15% APR; Unknown
3White OakWhite Oak offers business finance solutions including loans and asset-based lending to support a range of industries.£25,000–£2,000,000; 7.5%–18.9% APR; 12-60 months
4Clifton Private FinanceClifton Private Finance provides high-quality lending advice and finance solutions for UK and international clients.£50,000–£25,000,000; 0%–0% APR; Unknown
5Time FinanceTime Finance delivers flexible funding solutions including asset finance and business loans to UK businesses.£50,000–£500,000; 11.5%–0% APR; Up to 5 years
6Union Business FinanceUnion Business Finance specialises in securing competitive loans across industries in the UK.£10,000–£5,000,000; 7%–0% APR; Up to 120 months
7Lloyds BankLloyds Bank offers a variety of business loans tailored for SMEs and larger corporates with flexible options.£1,000–£500,000; 5.7%–11.2% APR; 12-120 months
8Gable Asset FinanceGable Asset Finance provides secured and unsecured loans tailored for various UK industries.£5,000–£250,000; 0%–0% APR; 3-60 months
9Origin FinanceOrigin Finance offers tailored finance solutions for UK businesses, simplifying the process of obtaining funds.£10,000–£2,000,000; 5.99%–0% APR; Up to 7 years
10Novuna Business FinanceNovuna offers a range of business loans with a focus on helping businesses manage cash flow and growth.£0–£0; 0%–0% APR; Unknown