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 focuses on flexible finance solutions for UK construction businesses. It is suitable for franchise buyers and SMEs seeking transparent loan options. The provider offers adaptable terms with no hidden fees, supporting secured or unsecured financing needs.
Loan Details
- Min Amount: £0
- Max Amount: £500,000
- Min APR: 0.9%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans, Working Capital Loans
- Industries: Construction
Pros
- Flexible repayment terms
- No hidden fees
Portman Finance Group offers competitive business loan products suited for SMEs in various sectors, including construction and manufacturing. It caters to franchise buyers seeking flexible financing secured on business assets. Their products typically include brokered access and a variety of lending options.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Construction, Manufacturing
Pros
- Wide range of loan amounts
- Covers SMEs
Barclays provides bank business loans with options for fixed or variable interest rates. It is suited for franchise buyers and SMEs needing straightforward loan products. Flexibility in repayment types and tailored loan terms are features of this provider.
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: General
Pros
- Trusted financial institution
- Variety of loan options
Cons
- Higher APR for smaller amounts
Lloyds Bank provides bank business loans with competitive APRs and flexible repayment terms. The provider is suitable for franchise buyers and SMEs looking for clear loan products with structured durations. Terms generally offer balance between speed and loan tenure.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 11.2%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: General
Pros
- Competitive APR
- Flexible terms
Cons
- Limited maximum loan amount
NatWest offers business loans up to £750k with no arrangement or early repayment fees. It serves franchise buyers and SMEs who prefer flexible loans without upfront costs. Loan options provide predictable terms with options for secured financing.
Loan Details
- Min Amount: £1,000
- Max Amount: £750,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: General
Close Brothers offers asset-based lending solutions tailored for construction and manufacturing SMEs. It suits franchise buyers seeking funding secured on business assets. Products generally focus on flexibility with secured financing but with limited publicly disclosed APRs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset-Based Lending
- Industries: Construction, Manufacturing
Pros
- Industry-focused solutions
Time Finance provides secured business loans with flexible repayment plans. It is suitable for franchise buyers and SMEs requiring adaptable finance options to support growth. The provider focuses on secured loans with varied repayment types and speed to decision.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans
- Industries: General
Pros
- Flexible terms
- Tailored solutions
Together Money offers secured loans secured on residential, commercial, or investment property. It serves franchise buyers and SMEs seeking property-backed financing solutions. Options generally emphasise security features and flexible lending terms.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans
- Industries: General
Capalona specialises in secured business loans using company assets as security. It is appropriate for franchise buyers needing large loan amounts with asset-backed security. The lender provides flexible loan terms tailored to diverse business needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans
- Industries: General
White Oak UK offers tailored financial products including secured loans and asset finance across industries. It is suited for franchise buyers seeking customised funding solutions. The lender typically provides flexible loan packages with a focus on security and industry adaptability.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance
- Industries: General
How to choose
When choosing the best secured business loan lenders for the construction industry, consider the size of the loan required and the suitability of the loan-to-value ratio. Assess each lender's eligibility criteria carefully, especially for franchise buyers and SMEs. Flexibility in repayment terms can ease cash flow management, particularly for seasonal businesses. Evaluate whether lenders require collateral and the types of repayment options available. Speed of approval might vary, so balance quick access to funds against flexible terms. Finally, confirm all fees and early repayment conditions before committing.
Conclusion
Selecting the right lender depends on your specific use case. Traditional banks often suit those seeking structured loans with clear terms. Brokers may offer access to specialist products for businesses needing bespoke solutions. Specialist lenders typically provide more flexible collateral options and faster decisions. Always verify current terms and match lenders to your needs for loans possibly up to two hundred thousand pounds or more. Confirm details directly with the provider or through trusted resources like the Funding Agent.
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