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.
Fleximize provides flexible secured and unsecured business loans aimed at UK SMEs. Their loans suit businesses seeking fast access to funds with clear terms. They offer a range of repayment options and consider security in their financing.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 0.9%
- Max APR: 0%
- Loan Duration: 1 to 60 months ⌛
Services & Industries
- Finance Types: Secured Business Loans, Working Capital Loans, Unsecured Business Loans
- Industries: Beauty, Wellness, Various
Pros
- Flexible repayment options
- Rapid access to funds
Cons
- Higher APR for high-risk sectors
Iwoca offers quick access to flexible business loans for UK SMEs with a focus on speed and simplicity. Their products are designed for businesses needing rapid funding with adaptable loan terms. They incorporate secured and unsecured options with various repayment choices.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 8.5%
- Max APR: 0%
- Loan Duration: 1 to 48 months ⌛
Services & Industries
- Finance Types: Flexi-Loans, Secured Business Loans
- Industries: Beauty, Well-being, Various
Pros
- Fast approval
- No early repayment fees
Cons
- Higher fees for extended durations
Millbrook Business Finance focuses on providing tailored funding solutions for various industries including beauty and retail. Their offerings include secured loans with flexible repayment methods. Millbrook suits businesses seeking innovative finance for growth support.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 36 months ⌛
Services & Industries
- Finance Types: Secured Loans, Merchant Cash Advance
- Industries: Beauty, Retail, Various
Pros
- Tailored solutions
- Innovative methods
Century Business Finance provides fast and flexible funding options tailored to SMEs aiming for growth. Their loans typically suit businesses looking for secured finance with straightforward application processes. They offer varied loan durations and repayment options to match business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 to 36 months ⌛
Services & Industries
- Finance Types: Cashflow Loans, Secured Business Loans
- Industries: Beauty, Service industries, Various
Pros
- Fast funding
- Simple application
Cons
- Higher rates for unsecured loans
Novuna Business Finance specialises in unsecured business loans with flexible terms for businesses that maintain good credit ratings. Their lending products suit SMEs seeking adaptable repayment options without collateral. Novuna focuses on providing competitively priced loans tailored to credit quality.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 60 months ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Asset Financing
- Industries: Beauty, Various
Pros
- Competitive rates for good credit
- Flexible terms
Clifton Private Finance delivers bespoke funding solutions including bridging and secured loans for commercial and residential clients. Their services fit businesses requiring tailored financial packages with larger loan amounts. They focus on flexible terms and specialised loan arrangements.
Loan Details
- Min Amount: £25,000
- Max Amount: £1,500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Bridging Loans, Secured Business Loans
- Industries: Commercial, Internationals
Pros
- Bespoke solutions
- Large loan amounts
Cons
- Complex application process
Union Business Finance specialises in tailored secured and unsecured business loans for the beauty and wellness sectors. They offer financing options adapted to industry needs with flexible payment terms. Their focus is on supporting businesses seeking specialised financial solutions.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 7%
- Max APR: 0%
- Loan Duration: 1 to 36 months ⌛
Services & Industries
- Finance Types: Secured Business Loans, Unsecured Business Loans
- Industries: Beauty, Wellness
Pros
- Specialty in beauty industry
- Flexible payment terms
Cons
- Unclear maximum loan figures
PMD Business Finance provides finance solutions for growing UK businesses, notably in automotive and beauty sectors. Their offerings include equipment and secured loans with flexible structures. PMD suits businesses seeking specialised industry knowledge and diverse funding options.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 60 months ⌛
Services & Industries
- Finance Types: Equipment Finance, Secured Loans
- Industries: Automotive, Beauty, Various
Pros
- Wide range of finance solutions
- Industry specialists
Cons
- Limited online application detail
HH Business Finance offers flexible commercial and asset finance to UK SMEs. Their finance options suit businesses requiring adaptable lending solutions, often via brokered access. HH Business Finance focuses on terms that accommodate varied SME needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Finance, Asset Finance
- Industries: SME, Various
Pros
- Flexible terms
- Experienced team
Cons
- Limited online transparency
Barclays provides a broad suite of business loan products, including term and secured loans for established UK businesses. Their financing suits borrowers seeking tailored features with flexible options. Barclays focuses on clear eligibility criteria and comprehensive support.
Loan Details
- Min Amount: £25,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 120 months ⌛
Services & Industries
- Finance Types: Term Loans, Secured Loans
- Industries: Various
Pros
- Reputable bank
- Customizable loan features
Cons
- Strict eligibility criteria
How to choose
When selecting secured business loans for the beauty and wellness industry, consider lenders with experience in these sectors. Evaluate loan size and APR against your budget and business model to ensure repayments fit through seasonal fluctuations. Check the flexibility of term choices and whether the loan requires collateral suitable for your business assets. Also, review eligibility criteria carefully, including credit requirements. Speed of approval can be vital for some businesses, but balance this against flexibility and costs. Finally, understand any fees and early repayment policies before applying.
Conclusion
Choosing the right lender depends on your business needs and use case. Banks often offer stable options for established businesses, while brokers and specialist lenders may provide more tailored or flexible financing. For loans around 200 thousand pounds, consider your eligibility, loan terms, and security requirements carefully. Always verify current terms and pricing directly with the lender. For additional guidance, consult the Funding Agent.
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