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.
Close Brothers Business Finance focuses on secured funding solutions including asset and invoice finance for UK SMEs and larger firms. It is suitable for franchise buyers and operators looking for predictable, flexible funding options. They offer structured repayments with a range of collateral options and transparent lending criteria.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans, Asset Finance, Invoice Finance
- Industries: All industries
Pros
- Flexible funding options
- Strong UK presence
Time Finance provides secured business loans designed for steady business growth. These loans suit franchise buyers and businesses seeking flexible repayment plans secured against assets. The provider emphasises structured lending with various loan terms and collateral requirements.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance, Cash Flow Finance
- Industries: Consulting, Manufacturing, Retail
Pros
- Tailored funding solutions
- Good customer service
Cons
- Rates and terms not disclosed openly
Bizcap offers rapid and adaptable business loans with a focus on quick approvals. It is appropriate for franchise buyers requiring straightforward loan products with flexible terms. The provider accommodates various repayment schedules and lending against business assets.
Loan Details
- Min Amount: £30,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Working Capital Loans
- Industries: Consulting, Technology
Pros
- Quick approval
- Flexible terms
Cons
- APR information not publicly available
Together Money specializes in secured lending backed by property assets. It is suitable for franchise buyers and operators needing quick funding secured against property. The lender offers various loan types with flexible repayment options and considers loan-to-value ratios.
Loan Details
- Min Amount: £30,000
- Max Amount: £2,000,000
- Min APR: 10.04%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Business Loans, Bridging Loans
- Industries: Consulting, Real Estate, Construction
Pros
- High borrowing limits
- Property-backed
Cons
- Higher APR compared to competitors
OakNorth Bank delivers flexible lending mainly for larger SMEs seeking funding above standard thresholds. Their loans favour franchise buyers who need tailored financial solutions for growth. They offer bespoke repayment structures and assess business potential and collateral value.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Secured Loans, Growth Funding
- Industries: Consulting, Manufacturing, Real Estate
Pros
- Large loan sizes
- Tailored financial solutions
Cons
- Not suitable for smaller businesses
Fleximize provides quick and adaptable loans aimed at SMEs requiring customised finance solutions. It suits franchise buyers looking for flexible repayment options and a mix of secured and unsecured products. Fleximize supports a range of industries with responsive customer service and tailored loan structures.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 4.5%
- Max APR: 0%
- Loan Duration: 1 to 60 months ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Secured Loans, Working Capital Loans
- Industries: Consulting, Retail, Technology
Pros
- Highly flexible terms
- Responsive support
Cons
- Limited to specific industries
Nucleus Commercial Finance offers secured and unsecured lending options with flexible terms. It suits franchise buyers and other SMEs seeking diverse repayment schedules and products. Nucleus focuses on meeting varied industry needs with options for collateral and cash flow finance.
Loan Details
- Min Amount: £3,000
- Max Amount: £2,000,000
- Min APR: 16.5%
- Max APR: 0%
- Loan Duration: 3 to 72 months ⌛
Services & Industries
- Finance Types: Business Loans, Cash Flow Finance, Asset Finance
- Industries: Consulting, Healthcare, Technology
Pros
- Diverse product range
- Quick decision times
White Oak UK focuses on SME finance with a broad range of secured loan products. It is a fit for franchise buyers needing various lending solutions with flexible term and collateral options. White Oak supports industries such as consulting and manufacturing with diverse financing.
Loan Details
- Min Amount: £20,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 72 months ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance, Invoice Finance
- Industries: Consulting, Manufacturing, Professional Services
Pros
- Diverse loan products
- Strong support network
Cons
- APR not disclosed publicly
Allica Bank delivers relationship-driven lending focused on UK SMEs with bespoke commercial finance options. It is suitable for franchise buyers desiring tailored loan products and personalised service. Their offerings include secured loans and commercial mortgages adaptable to business needs and repayment flexibility.
Loan Details
- Min Amount: £100,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Up to 60 months ⌛
Services & Industries
- Finance Types: Secured Business Loans, Commercial Mortgages
- Industries: Consulting, Healthcare, Education
Pros
- Large loan amounts
- Relationship-driven service
iwoca offers fast and flexible business loans for small and medium UK enterprises. It suits franchise buyers needing quick decisions and adaptable repayment terms. Their products include unsecured loans, credit lines, and secured finance options across various industries.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Unsecured Loans, Credit Line, Secured Loans
- Industries: Consulting, Retail, Hospitality
Pros
- Fast approval
- Flexible lending
How to choose
When selecting the best secured business loan lenders for the consulting industry, focus on those offering suitable collateral options and flexible repayment plans. Consider lenders that understand consulting firms' cash flow profiles and seasonality. Speed of decision-making and funding can be crucial, so weigh those factors carefully. Eligibility criteria, including loan-to-value ranges and security requirements, should match your business circumstances. Review any brokered access if direct lending options are limited. Finally, compare fees and early repayment conditions to find the best overall fit.
Conclusion
Choosing the right lender depends on your specific use case, whether bank loans, brokers, or specialist lenders best fit your needs. Banks often provide stability and scale, brokers may offer access to diverse loan products, and specialists can tailor loans for niche business cases. Align your choice with your required loan amount, such as a 200 thousand pounds loan, risk tolerance, and security preferences. Always confirm terms and conditions directly with the lender. For further assistance, consult a reliable Funding Agent.
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