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 2026-03-30.
Lloyds Bank provides secured business loans alongside a broad range of financial products. Their offerings are suited to franchise buyers and SMEs seeking business loans with predictable repayment terms. The provider focuses on flexibility, catering for various loan duration needs and collateral structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 84 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Accountancy, Retail, Manufacturing
Pros
- Wide range of loan products
- Flexible terms
Cons
- APR not transparent
- Complex application process
Fleximize is a digital lender focusing on secured business loans tailored for SMEs needing quick access to funding. It is typically suited for franchises or small firms requiring flexible loan amounts and terms. The lender emphasises straightforward processes and adaptable repayment options, suitable for a variety of credit profiles.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0.9%
- Max APR: 0%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Accountancy, IT Services, Consultancy
Pros
- Quick approval process
- Flexible funding options
Cons
- APR details not fully disclosed
Time Finance specialises in secured business loans primarily for SMEs across diverse sectors. The lender is suitable for franchises or businesses requiring asset-backed lending with flexible repayment schedules. Their loan products cater well to firms seeking growth capital secured on tangible assets.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: Accountancy, Manufacturing, Services
Pros
- Flexible repayment options
- Supports various business types
Barclays offers both secured and unsecured business loans aimed at supporting business growth. Their products suit franchise buyers and SMEs looking for long-term financing with varied loan sizes. Emphasis is placed on flexibility, with options for different loan durations and collateral requirements.
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 30 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Accountancy, Retail, Corporate
Pros
- Trusted bank
- Wide range of loan products
NatWest delivers secured business loans designed for small and medium UK enterprises. It is typically suited to franchise owners requiring straightforward loans with fixed APRs and predictable monthly payments. The lender's focus includes accessibility for SMEs and ease of application.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 11.3%
- Max APR: 11.3%
- Loan Duration: 12 to 84 months ⌛
Services & Industries
- Finance Types: Secured Loans, Overdrafts
- Industries: Accountancy, SMEs, Hospitality
Pros
- No arrangement fees
- Easy application process
Cons
- Fixed APR may not suit everyone
Ulster Bank offers a range of business lending products with a focus on secured loans and customizable terms. It is suited for SMEs needing tailored financing arrangements with various security options. The provider emphasises product variety to meet different business needs, though some specifics are not always transparent.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Invoice Financing
- Industries: Accountancy, Construction, Retail
Pros
- Variety of loan products
- Customized lending solutions
HSBC offers secured and unsecured business loans tailored for UK enterprises, including franchises. It is suitable for SMEs requiring flexible repayment terms and varied collateral types, with a global presence underpinning its services. The lender tends to focus on comprehensive financing solutions with diverse loan structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Accountancy, Finance, Healthcare
Pros
- Global presence
- Diverse loan types
Cons
- Complex eligibility requirements
Virgin Money provides secured lending products tailored for business growth, including government-backed loans. It suits SMEs and franchises needing flexible loan terms and security options. Their focus is on delivering loans that support emerging and retail sectors with adaptable repayment structures.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Government-backed Loans
- Industries: Accountancy, Emerging Businesses, Retail
Pros
- Strong brand
- Flexible loan options
NatWest delivers fast, accessible business loans with a focus on digital application and customer support. It suits SMEs and franchise buyers seeking quick funding solutions with straightforward approval processes. Loan offerings include secured options with transparent terms tailored for smaller to mid-sized enterprises.
Loan Details
- Min Amount: £1,000
- Max Amount: £750,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 84 months ⌛
Services & Industries
- Finance Types: Secured Loans, Digital Loans
- Industries: Accountancy, Startup, SMEs
Pros
- Fast digital application
- No early repayment fees
Cons
- Limited to smaller enterprises
Ulster Bank offers competitive secured business loans with various options for different industries. It is suited to accountancy firms and other sectors requiring tailored loan terms with fixed rates. The lender provides comprehensive products focusing on lending flexibility and security.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Fixed Rate Loans
- Industries: Accountancy, Engineering, Construction
Pros
- Comprehensive lending options
- Competitive rates
How to choose
When selecting the best secured business loan lenders for the accountancy industry, consider loan size and APR relative to your cash flow needs. Check each lender's eligibility criteria, especially regarding required collateral and industry focus. Balance the speed of approval against the flexibility of terms. Pay attention to repayment type options to match your accounting cycles and seasonal factors. Also review fees, early repayment policies, and whether broker access applies to offer more competitive packages. This due diligence helps optimise funding for accountancy-related businesses and franchises.
Conclusion
The right lender depends on your business use case. Banks typically suit established businesses needing larger loans with structured terms. Brokers can provide access to a wider range of lenders, including specialists. Specialist lenders often offer flexible terms for niche needs but may charge higher APRs. Always verify current costs, terms, and criteria directly with the lender before applying, as conditions can change. Use the Funding Agent for support when seeking a 200 thousand pounds loan or similar products.
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